Leaseholders
Insurance
Buildings insurance
As the freeholder of your block, we are responsible for buildings insurance. Buildings insurance covers the structure and common parts of the block, not the contents of your home. The cost of the buildings inurance is included in your service charge, and the amount you pay depends on the number of bedrooms you have. Our buildings insurance policy covers the following:
- fire, explosion, lightning and earthquake
- smoke damage
- riot, civil commotion, strikes, labour or political disturbance
- malicious (deliberate) damage
- collision by aircraft, other aerial devices, any vehicle or animal
- storm or flood
- escape of water from any fixed tank, pipe or appliance and damage caused by bursting or freezing
- falling trees, branches, telegraph poles or lamp posts
- theft or attempted theft
- subsidence or ground heave
- leakage of oil from any fixed oil-fired installation
- breakage or collapse of television or radio-signalling apparatus
- accidental breakage of fixed glass in doors, roofs, windows, solar panels, fitted ovens,ceramic fitted cooker hobs, and fixed sanitary ware
- accidental damage to fixed water or heating installations, inspection covers, cables and pipes serving the building.
The policy only covers claims above a certain amount, called the excess. This means that we have to pay the excess and charge it to leaseholders. Click here for more information on the policy excess. You can also download a copy of the full summary of cover here ‘Statement of Policy Cover Building Insurance.’
How do I make a claim?
If you need to claim, you should first write to:
The Insurance Team, Enfield Council, PO Box 54, Civic Centre, Silver Street, Enfield EN1 3XF, or phone 020 8379 1000. They will send you a claim form or tell you how to contact the insurer’s 24-hour helpline.
Contents insurance
We are not responsible for insuring your home contents. We have negotiated low-cost home contents insurance with Royal Sun Alliance, which we recommend you consider.
For more information about arranging home contents insurance with Royal Sun Alliance, call us on freephone 0800 40 80 160 for advice or an information pack.