Home Contents Insurance

Why do I need it?

West Dunbartonshire Council does not cover your home contents as part of the tenancy agreement. It’s a good idea to consider what a home contents insurance policy would cover you for in order to help you make an informed decision on whether you need one.

Contents insurance is designed to help protect your possessions. No matter how careful you are, there’s always a risk that your belongings could be broken, damaged or stolen so home contents insurance can help provide peace of mind should the worst happen.

Pay As You Go Home Contents Insurance Scheme

West Dunbartonshire Council work with the UK's largest insurer to provide specialist Tenants Contents Insurance policies. The scheme is a specialist insurance scheme provided by Aviva Insurance Limited and all tenants living in social and affordable housing are eligible to apply.

The scheme can offer you insurance for the contents of your home including cover for items such as furniture, carpets, curtains, clothes, bedding, electrical items, jewellery, pictures and ornaments.

Reasons to choose Pay As You Go Home Contents Insurance

  • No excess (you don’t pay the first part of the claim)
  • Covers theft, water damage, fire and many more household risks
  • Covers tenants improvements (up to £2000 or 20% of the sum insured, whichever is the greatest)
  • Covers damage to external glazing for which you are responsible
  • Covers replacement and installation of locks for outside doors or windows and alarms, if keys are lost or stolen
  • You don’t need to have special door or window locks (just a lockable front door)

Who is this policy for?

The Policy has been designed to meet the demands and needs of social housing residents looking to purchase home contents insurance and Aviva have approached a single insurer Aviva. The cover is subject to the terms, conditions, limitations and exclusions contained in the Policy Wording which you should read carefully. 

If you are unsure whether this insurance policy is right for you please contact us on 01389 737867 or HomeContents@west-dunbarton.gov.uk.

Acceptance restrictions may apply for conviction and claims experience.

How do I get further information?

If you’d like to apply for home contents insurance, you can do so by completing the application form or calling for an application pack, contact us on 01389 737867 or HomeContents@west-dunbarton.gov.uk. Prior to completing the application form, please review the.  Application can now be taken over the phone, providing you have read the full application pack and answers a few additional questions over the phone as these documents give you important information on your rights and how we deal with you and your insurance and key information regarding the insurance cover.

Please note that the insurance policy we provide is arranged on a non-advised basis. This means that you will be provided with the key information to be able to make an informed decision on which cover is appropriate for your needs.

What to do if you have a complaint

It is always the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the procedure.

Details on how to complain are provided within your pack and policy documents. For additional information, view West Dunbartonshire Council's complaints page.

Aviva Insurance Limited. Registered in Scotland No2116. Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and out firm’s reference number is 202153.