Brief Guide to the Highland Council Flexible Home Insurance Scheme
In the UK, tenants are not responsible
for buildings insurance. Instead, there is a specific type of
buildings insurance cover for all properties that tenants rent. This
type of insurance covers damage to the property in the event of a
natural disaster such as a flood, storm, lightning, fire, earthquake
or subsidence. The Highland Council, while it insurers the property,
does not insure the personal belongings or possessions within the
home against vandalism, fire, theft or other household risks.
Under certain schemes, it has become easier than ever for you to
protect your possessions against loss or damage. You can arrange
this special type of insurance for a relatively low rate, depending
on how much you want to cover. If you live in the Highlands of
Scotland for instance you are able to pay this policy along with
your monthly rent, and the scheme is open to all of the Highland
Councilís tenants. Additionally, tenants over 60 years of age may
receive reduced rates in receipt of their state retirement pensions.
You may apply for insurance by filling out a proposal form. The
absolute minimum amount that can be insured for tenants is £9,000
and £6,000 for tenants over the age of 60 who are currently
receiving retirement benefits. The absolute maximum amount that you
can insure is £35,000.
here to compare home insurance quotes!
Once you are formally accepted to a
scheme, you will get a welcome letter advising you of the amount you
are required to pay and when you must make your first payment. Keep
in mind that it may be extremely costly to renew the decorations in
your home and replace your household goods in the event of an
emergency, but your home insurance will protect you and your
belongings against these costs.
Under this scheme, unless you decide to buy an accidental damage
option, there is no excess that you will be required to pay.
However, the amount payable for certain items may be limited. For
example, you may only receive up to £1,000 for equipment or up to
£250 if you need to replace the external locks in your home if you
lose your keys or realise they were stolen. However, most of your
household contents and goods are covered, as well as freezer
contents and your own liability to the general public. If you have
made improvements to the home such as patio doors, fitted kitchens
or bathrooms, it is also possible to insure these additions. You
need to make sure that you are making each payment; failure to do so
may result in a negative effect on your future claims and may lead
to the cancellation of your policy.
For more information on the scheme, if you are interested in buying
a policy, determining if a certain item is covered under this policy
or if you need to make a claim, contact any housing and property
office, your local service point or the Highland Council directly.
Any of these locations will be able to answer all of your questions.
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