Home contents insurance scheme

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, 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 on this policy (unless you decide to take out the Accidental Damage Option, where you will have to pay the first £50 on accidental damage)  but the amount payable for specific items may be limited, e.g. equipment up to £1,000 limit per item, or the cost of replacement of external locks if your keys are stolen up to £250.  Only a proportion of some costs will be payable, e.g. costs to cover kennelling pets. 

Examples of the cost of insurance cover are as follows:

• How do I apply for home contents insurance? 
• How do I know if I have been accepted to the scheme?
• How do I make a claim?
• How do I pay my insurance?
• How much can I be insured for?
• What is covered?
• What kind of policy is this?
• What forms should I fill in?

If you wish to apply, the Application form and Policy document 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 Office or

the Highland Council, Insurance and Risk Management Section, Finance Service, Glenurquhart Road, Inverness IV3 5NX Tel 01463 702448