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Overview
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Payment of the premium
The cost of insurance is payable weekly along with your rent. To work out your weekly payment, refer to the table on the Cost of Insurance ![#]() page.
Housing Benefit does not apply to Insurance Premiums |
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Insurance for your home contentsWhen you take out this insurance your household goods and contents will be insured in your home.The insurance also covers theft of your keys and the contents of your freezer. There is also cover for personal liability.
Accidental damage is not covered as standard other than what is detailed in the enclosed policy summary. However, a full accidental damage option may be available at an additional cost. (See cost of insurance policy summary) |
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What you are covered for
Please refer to the enclosed policy summary which details the main circumstances that are covered (e.g. fire, theft, water damage). A specimen policy booklet is available on request. |
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“New-for-Old” insurance
All your home contents are covered by the policy on a ‘new for old’ basis, with the exception of linen and clothing which will be replaced at their current cost, less an amount for wear and tear. When you are working out the cost of your insurance, you will need to work out how much it will cost to replace the full contents. If you under value your contents this will mean that if you claim you will not get the full value of your claim. |
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Special low, minimum sums insuredThe lowest amount that can be insured is:
£8,000 if you are over the age of 60 and furnished tenancies.
£10,000 for all other tenants |
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How to apply
Complete the form enclosed in the booklet. Make sure that you answer all the questions and sign the declaration. If you need help to complete the form please contact your local housing office on 01332 711007, or e-mail tenants.insurance@derby.gov.uk![#]() . Once you have completed the form hand or post it to: Derby Homes, Cardinal Square, 10 Nottingham Road, Derby, DE1 3QT. |
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Keeping up the payments
• To make sure that you are always covered you must keep up to date with your payments.
• Derby Homes can cancel the policy if your premium payments fall into arrears.
• You will not be allowed to make a claim unless your payments are up to date. |
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Start date
Insurance starts when Derby Homes informs you that you have been accepted onto the scheme.The start date will always be a Monday. We will write to you with details of your insurance payments and the date when you should start paying. You will be notified in writing if for any reason, you have not been accepted into the scheme. |
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Special Notes
• If during the period of your insurance cover your home is likely to be unoccupied (e.g. if you are in hospital, extended holiday) for more than 60 consecutive days you will have to advise Derby Homes.
• Remember, it is your responsibility to ensure that the sum insured is sufficient to cover all your household items and personal effects.
Derby Homes urges all tenants to take out household insurance, either through our special scheme or by making your own arrangements. |  ![#]()  ![#]()
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