Buildings Insurance

All Fully Factored Owners are covered unless you opt-out

All factored owners who live in tenements unless you provide proof of your own insurance policy so that we can confirm that your policy extends to cover your obligations to the common fabric and areas of the building, as per your Title Deeds. Under the Tenements (Scotland) Act 2004 (Prescribed Risks) Order 2007, it is a legal requirement for you to make sure that you are adequately covered.

Section 18 of the Tenements (Scotland) Act 2004 makes it clear those risks which owners are required to insure their property against. These are as follows:

  1. Fire, smoke, lightening, explosion, earthquake;
  2. Storm or flood;
  3. Theft or attempted theft;
  4. Riot civil, commotion, labour or political disturbance;
  5. Malicious persons or vandals;
  6. Subsidence heave or landslip;
  7. Escape of water from water tanks, pipes, apparatus, and domestic appliances;
  8. Collision with the building caused by any moving object originating outside the building;
  9. Leakage of oil from fixed heating installations; and
  10. Accidental damage to underground services.
  11. Terrorism. 

Renewal

The Association’s Block Buildings Insurance Policy is due for renewal on 1 April each year.

Queries

If you have any queries or would like to discuss any element of our Block Buildings Insurance Policy further, please contact the Finance team on 01475 783637 or by email at office@clochhousing.org.uk.
If you need to claim in relation to the block policy we offer you should contact Howden UK Insurance Brokers directly on the number or email below:

Claims should be reported in the first instance to:

Howden UK Insurance Brokers (Claims Department)

76 Coburg Street

Edinburgh

EH6 6HJ

Telephone: 0131 553 229331

Email: ClaimsDepartment.scot@howdeninsurance.co.uk 

Policy details

Excess applicable:

  • £500 Each and Every Claim other than:
  • £2,500 Each and Every Claim Subsidence
  • £1,000 excess for longer term unoccupied units.
  • £500 Third party property damage only in respect of Property Owners Liability

A summary of the policy can be obtained by calling 01475 783637, or emailing office@clochhousing.org.uk and is provided annually with your invoice. 

We also have in place Public Liability Insurance which is managed by the same insurance brokers (contact Howden UK Insurance Brokers as above).