When should I expect to pay my insurance premium?
The period of insurance starts on 1 April each year and we will bill you for the year ahead. Your property is insured even if Waverley is delayed in sending the invoice to you.
You must pay the premium to Waverley without delay. If you are experiencing financial difficulty, please contact Housing Income without delay: at housingincome@waverley.gov.uk
What does my building insurance cover?
Your policy covers the structure of your flat, including its fixtures and fittings, and the part of any communal areas that your lease says you are responsible for.
No cover for personal possessions: The policy does not cover the contents of your home or your personal possessions.
How do I insure the contents of my home?
You are responsible for insuring the contents and personal possessions in your home. Many companies offer home contents insurance, just search online if you are not sure where to start.
How do I know if the damage to my property is covered by insurance?
This depends on what caused the damage. For example, insurers will not pay for any damage that results from wear and tear, faulty building work or lack of maintenance.
Claims involving theft, attempted theft or malicious damage
If you are claiming for theft, attempted theft or malicious damage, you must first inform the police of the incident and get a crime reference number.
Please note that damage of this nature will not be covered if you are subletting, or if the property has been empty for 30 days.
How do I make a claim?
For claims that happened up to and including 31 March 2023:
Avid Insurance Services Limited used a claims handler called Questgates limited.
You can call them on 01204 860427.
For claims that happened on or after 1 April 2023:
Protector Insurance use a claims handler called Sedgwick TPA.
You can email protectorclaims@uk.sedgwick.com or call 0161 8723 1912 during office hours Monday to Friday 9am-5pm. For calls made outside of office hours, please dial this number and your call will be redirected to the out of hours office.
Can I arrange emergency repairs?
Insurers are happy for you to arrange emergency repairs to prevent further damage or to make your property secure, but please keep the bills as they will form part of your claim.
Always try to tell the insurers about a possible claim as soon as you can. If you delay, you may have your claim refused.
When repairs are not necessary immediately, you should first get estimates for the work and send them to the insurers. They will then tell you whether they will pay.