Tenants & Leaseholders Home Contents Insurance
Scheme
Are your belongings
protected?
Everyone at some time or another may suffer a
disaster in the home such as fire, flooding, burst pipes, theft or
vandalism which could damage the contents of your home. Could
you afford to replace these items if such an event occurred?
While it is sensible to take precautions to
prevent catastrophes from happening, they are sometimes
unavoidable. They can also be very expensive if you have to replace
furniture, clothing, carpets and electrical equipment.
All tenants and leaseholders are responsible
for insuring their contents against damages like these. The
Council in conjunction with Tower Hamlets Homes strongly advises
all Council tenants and leaseholders to take out home insurance in
some form.
You can do this by making your own private arrangements, or to help
you, the Council has launched a brand new home contents insurance
scheme which you can join. The Crystal Insurance Scheme is
administered by our Insurance Broker Jardine Lloyd Thompson and not
only offers improved standard insurance cover but for a lower
cost. The scheme also allows tenants and leaseholders to
extend their policy, and as premiums are collected directly by
Crystal Insurance the insurance will not be affected by your rent
account.
What is covered by the
scheme?
Most of your household goods and contents
including pedal cycles and computer equipment are insured when in
your home. They are covered against loss or damage caused by
specific events such as theft, fire and flood. Tenants and
leaseholders have the option to increase their cover to include
Extended Accidental Damage, Personal Effects, Wheelchairs, Hearing
Aids and Garages, Sheds & Greenhouses depending on their
individual needs. Full details are available on request.
How do you pay?
You can pay your premiums by one of the
following methods:
- Fortnightly or monthly by using a Swipe Card
at any Post Office or Pay Zone outlet
- Monthly by Direct Debit
- Annually by Credit/Debit Card, Cheque or
Postal Order made payable to Crystal Insurance Scheme.
Who can apply?
The scheme is arranged with Royal & Sun
Alliance Insurance plc and is available only to Tower Hamlets
Council tenants and leaseholders (Owner Occupiers).
How you can apply for home
insurance?
Application forms are available from your
neighbourhood housing office, or
the Council's Insurance Section. Or you can download an
application form.
Prospectus and
application form (pdf 359kb)
Credit/debit card
payment form (pdf 44kb)
Direct debit
form (pdf 67kb)
What happens next?
Once
you've completed the application form, return it to:
Crystal Insurance Scheme, FREEPOST
(SL839), Maidenhead, SL6 7XL.
Your insurance will begin on the date you are
notified that your application has been accepted. To make
sure you are always covered, you must keep up your payments.
What happens once you have been
accepted onto the scheme?
You will receive a policy
booklet, schedule and confirmation of the premium and date when you
should start paying. To ensure that you are always covered, you
must keep all your payments up to date. Failure to keep up payments
could affect any claim settlement and may lead to the cancellation
of your insurance.
Making a claim under the
scheme
To make a claim you must call the Claims
Helpline on 0845 601 7007 as soon as possible. Full details
of how to claim will be included in the policy document.
If you have any queries about your
insurance please contact Crystal Insurance on 0845 601 7007.
More information
If you want to know more about the Crystal
Home Contents Insurance scheme, apply, or want to ask us a
question, please contact the Council's Insurance
Team.
E-mail: insurance@towerhamlets.gov.uk
Insurance Section
4th Floor
Mulberry Place
5 Clove Crescent
London, E14 2BG
Tel: 020 7364
5000
Fax: 020 7364 4407