The Highland Council has buildings insurance cover for all properties let to tenants. This insurance covers things like fire or flood damage to the property itself.
However it is important to note that the Highland Council does not insure your furniture, belongings or decorations against theft, fire, vandalism and other household risks.
Under a special scheme arranged with Allianz Insurance PLC, it’s easy for you to protect your belongings and you can arrange your insurance at a special low cost rate, which you can pay when you pay your rent. The scheme is open to all the Council's tenants.
There are reduced rates for tenants over 60 in receipt of state retirement pension.
When you are accepted onto the scheme you will receive a welcome letter which will advise you of the amount you need to pay and when the first payment has to be made.
Remember it can be very expensive to replace your household goods and renew decoration in your home and insurance will protect you against these costs.
There is no excess to pay under any section of the policy. If you take out this insurance most of your contents will be insured in your home against fire, vandalism, water damage and other household risks. The cover also includes replacement of locks if keys are lost or stolen and the contents of your freezer. There is also cover for personal liability. In addition to the standard cover the following additional covers can be added at an additional cost, extended accidental damage cover, personal possessions away from the home, hearing aid and wheelchair/scooter cover as well as structure cover for arden huts, garages and greenhouses. Please refer to the full policy wording which can be downloaded and premiums payable as shown on the Home Contents Insurance Premiums page
Frequently Asked Questions
If you wish to apply, you can apply for instant cover over the telephone by calling the Council on Freephone 0800 276 1018.
Alternatively you can complete the Application form which can be downloaded from this page. Please return the whole completed application form to your Local Service Point or to The Highland Council, Insurance & Risk Management Section, Finance Service, Glenurquhart Road, Inverness IV3 5NX.
For more information:
- on the scheme or
- if you are interested in taking out a policy,
- seeing if an item is covered by the policy or
- to make a claim:
contact your Local Service Point or
any Housing and Property Office or
the Highland Council, Insurance and Risk Management Section, Finance Service, Glenurquhart Road, Inverness IV3 5NX Tel 01463 702448