East Lothian Council

Home contents insurance

Home Contents Insurance Scheme for East Lothian Council tenants

Home insurance icons

East Lothian Council does not insure your furniture, belongings or decorations against theft, fire, vandalism and burst pipes.

You need to take out your own household insurance either with this special scheme arranged by Aon, through Aviva or by making your own arrangements.

This scheme is open to all East Lothian Council tenants. Housing Association tenants should contact their landlord, as many Housing Associations run similar low-cost schemes.

Payment of the premium

The cost of insurance is payable fortnightly along with your rent. To work out your fortnightly payment, refer to the table on the next page.

Insurance for your home contents

When you take out this insurance your household goods and contents will be insured whilst in your home. The insurance also covers theft of your keys and the contents in 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 is available at an additional cost (see cost of insurance table and policy summary)

What you are covered for

Please refer to the policy summary which details the main circumstances that are covered (e.g. fire, theft, water damage). A specimen policy booklet is available on request.

“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.

Special low, minimum sums insured

The lowest amount that can be insured is:

  • £7,000 if you are over the age of 60.
  • £10,000 for all other people

Corporate Resources, East Lothian Council, John Muir House, Haddington EH41 3HA

Telephone: 01620 827255

Home contents insurance scheme application form

East Lothian Council, John Muir House Brewery Park Haddington East Lothian EH41 3HA.