You need to tell your insurance company if you have any scaffolding on your house or block, as your insurance may be cancelled.
Insurance responsibility
The council insures the structure of your home, but not the contents.
You are responsible for insuring your contents (belongings) against theft, fire, flooding, vandalism, or accidents.
Home contents insurance
Ealing Council has teamed up with Aviva to offer home contents insurance for council tenants. The scheme is managed by Wessex Group.
You won't need to pay an excess to make a claim.
What the insurance covers:
- contents in your home, garages and gardens against fire, theft or flooding
- replacing door locks if your keys are lost or stolen
- accidental damage to audio, video or computer equipment
- tenants' liability
What is not included in your insurance:
- accidental damage
- theft, loss or damage of personal belongings away from the home (mobile phones, jewellery), wheelchairs, mobility scooters and hearing aids
You can add this to your insurance but there will be an extra charge.
How much cover do you need
Your home contents are covered on a new for old basis, except for linen and clothing, which are replaced at their current cost, minus wear and tear.
When you are working out the cost of your insurance, you need to work out how much it would cost to replace the full contents of your home.
If you under value your contents, you may not get the full value of your claim.
How much does it cost:
- you do not need to pay an excess under this scheme.
- how much you pay, called the 'premium', depends on the amount you want insured.
- The lowest amount that can be insured is £4,000
How to pay
You can either pay:
- monthly by direct debit or payment card at any post office
- yearly by cheque, postal order, debit or credit card
You must keep up with your payments to make sure you are covered.
Wessex Group can cancel the policy if you miss your premium payments.
You may not be able to make a claim unless your payments are up to date.
How to apply
Apply for home contents insurance online with Aviva
After you have applied
Wessex Group will send you details of your insurance payments and start date.
If your application is rejected, they will let you know.
Terms and conditions
Acceptance restrictions may apply for convictions and claims experience.
Tenants Contents Insurance is underwritten by Aviva Insurance Limited and arranged by Aon UK Ltd who are both authorised and regulated by the Financial Conduct Authority. Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. FP.ENT.727.SEC