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Low cost home insurance

West Dunbartonshire Council does not insure your furniture, belongings or decorations against theft, fire, vandalism and burst pipes and other household risks.

You need to take out your own insurance. Under a special scheme arranged with Allianz Insurance plc, it’s easy for you to protect your belongings. You can arrange your insurance at a special low cost rate. The scheme is open to all the tenants.

Payment of the premium

Premiums can be paid weekly alongside your rent. You can pay your premiums either weekly
or over longer intervals.

Insurance for your furniture, TV, clothing, carpets, electrical items and general household goods

When you take out this insurance most of your household goods and contents will be insured in your home. The insurance also covers replacement of external locks if your keys are lost or stolen and the contents of your freezer. There is also cover for personal liability, and cover for damage to your landlords fixtures and fittings which you may be legally responsible for under the terms of your tenancy agreement. Full details of the policy cover applying are available on request.

Insurance against fire, theft, vandalism, water damage and other household risks

These are examples of the types of risk your contents will be insured for.

Full details of the policy cover applying are available on request.

Optional Extras

In addition to your standard contents cover, you have the option to add any of the following
additional covers at an extra cost:

  • Extended accidental damage cover
  • Personal possessions cover (cover for possessions away from the home)
  • Cover for the structure of garden huts, greenhouses and garages
  • Hearing aid cover
  • Wheelchair cover

‘New-for-Old’ insurance

All your home contents are covered by the policy on a ‘new for old’ basis, with the exception of linen and clothing which will be replaced at their current cost, less an amount for wear and tear. When you are working out the cost of your insurance, you will need to work out how much it will cost to replace the full contents. If you underinsure your contents, any claim payment will be reduced to the same proportion as the contents sum insured bears to the full replacement cost.

Special low minimum sums insured

The lowest amount that can be insured is:
• £4,000 - £40,000 for residents who live in sheltered accommodation
• £6,000 - £40,000 for tenants aged 55 and over
• £9,000 - £40,000 for all other tenants.

Cost of Insurance

You can work out the cost of your insurance before you complete the form by following these three easy steps:
1. Use the do-it-yourself valuation sheet opposite to work out how much cover you need.
2. Now refer to the premium tables on pages 5 to select the premium you will pay.

Join the scheme

please complete and return the

Home Contents Proposal Form

To:
West Dunbartonshire Council,
Contents Insurance Scheme,
Garshake Road,
Dumbarton,
G82 3PU.

If you have any further questions, do not hesitate to contact our Insurance section on telephone number 01389 737867.