The policy is stated below or you can download the original insurance pdf here.
The Insurance on the structure of your home has been arranged with Zurich Municipal. |
Policy number: QLA-02H086-0213
Policyholder: The individual leaseholders of Tamworth Borough Council in respect of the Premises insured hereunder severally for their respective rights and interests.
Sum insured: As detailed in the Policy Specification
Period of insurance: 30 September 2025 to 30 September 2026
Insured perils: Fire, lightning, explosion and aircraft, riot and malicious persons, earthquake, subterranean fire, storm or flood, escape of water from any tank, apparatus or pipe, impact by any road vehicle or animal, breakage or collapse of audio or visual communication apparatus, accidental breakage of fixed glass and fixed sanitaryware, accidental damage to supply pipes and cables, falling trees or branches, leakage of oil, theft or attempted theft, subsidence, ground heave or landslip, all other damage (except where excluded)
Excess: £350 excess in respect of each and every loss apart from £500 for Escape of Water and £1,000 for Subsidence
Benefits and Limitations
| Clearance of drains and gutters where required after a loss - where you are legally liable | Included within the building sum insured |
| Professional, demolition or local authority fees and expenses | Included within the building sum insured |
| Alternative accommodation or rent payable by you following damage by an insured peril where you occupy the damaged property | Up to 20% of the building sum insured, as per policy wording’ |
| Lock replacement following theft of keys | Up to £5,000 |
| The costs involved in locating the source of a leak, but excluding repairing any damage to tank, apparatus, or pipework | Up to £5,000, as per policy wording’ |
| Other interested parties such as mortgagees, lenders, shared owners and leaseholders | Included in the policy wording |
| Damage to your landscaped garden by the emergency services | Up to £50,000 |
| Legal fees following occupation by squatters | Up to £10,000 |
| Liability to others under the Defective Premises Act 1972 | Up to £2,000,000 |
What is not insured
This is a summary of the major exclusions or restrictions within the policy wording.
In respect of:
1. All other damage (if cover is operative)
There are several exclusions, so we have highlighted the main ones which are loss or damage arising from:
- asbestos material removal
- vermin, insects, dampness, erosion, scratching, wear and tear or other gradually operating cause
- wet or dry rot, shrinkage, faulty workmanship, defective design or materials.
2. Breakage or collapse of audio or visual communication apparatus
Does not cover the damage to the aerial or satellite dish itself.
3. Excess
The first amount of any claim for which you are responsible - this is as shown on the schedule.
4. General exclusions
Loss or damage caused by:
- Date Related Incidents
- Northern Ireland Civil Commotion
- Nuclear and War Risks, Government or Public Authority Order
- Sonic Bangs
- Communicable Diseases.
5. Storm or flood
There is no cover for loss or damage caused by or to:
- frost, subsidence, ground heave or landslip
- fences, gates and hedges
- moveable property in the open.
- attributable solely to change in the water table level.
6. Subsidence, ground heave or landslip
There are several exclusions, we have highlighted below the main ones which are loss or damage caused by or to:
- coastal or river bank erosion
- defective materials or faulty workmanship
- patios, terraces, swimming pools, tennis courts, footpaths, drives, hedges, yards, car parks, roads, pavements, forecourts, walls, gates and fences unless the structure of the building is damaged at the same time.
7. Unoccupied Properties
If the buildings are unoccupied for more than 30 days the cover will exclude the perils of Malicious Damage, Escape of Water and Theft.
Your duty to inform us of changes to information
You must inform the Council or other organisation who arranges the insurance on your behalf, if any information supplied in connection with this policy changes. Failure to do so may result in your insurance no longer being valid and claims not met. For example:
- if you have had an extension built
- if your home is used for any business purposes (other than clerical)
- if your home is no longer in a good state of repair
- if you have let, part let or sub-let your home to tenants
- if you or any person living in your home, has been convicted or received a police caution or has any prosecution pending for any criminal offence involving arson, fraud or theft.
If in doubt about any change, please inform the Council or other organisation who has arranged this insurance on your behalf.
If your policy is amended as a result of any change, we will be entitled to vary the premium and terms for the rest of the period of insurance. You should keep a record (including copies of letters) of all information supplied to us in connection with this insurance
How to make a claim
If you need to make a claim, the following contact details are supplied for your assistance:
https://propertyclaims.zurich.co.uk/link/portal/publicsector
Tel: 0800 028 0336
or email: farnboroughpropertyclaims@uk.zurich.com
For more information about making a property claim and to see our claims guides, please visit www.zurich.co.uk/municipal/make-a-claim/property-insurance-claim
When you contact us, you will need to tell us your name and address, the place where the loss occurred and what caused the loss or damage.
Tell the police if something has been stolen or maliciously damaged.
We will contact our building services provider to contact you to arrange the necessary repairs, subject to validation that the claim is covered.
If someone is making a claim against you for any injury or damage to their property, you must send us full details as soon as possible. Any letters regarding the claim should be sent to us, unanswered without delay. You should not become involved in correspondence with the other person - you must leave us to deal with the matter on your behalf.