Insurance information for Residential Leaseholders

Yes, building insurance is included in your service charge.

No, this is the insurance provided by Thanet District Council as the landlord of your building. It is included in the service charge.

Yes, it is the responsibility of the leaseholder to take out insurance cover for contents and accidental damage.

If you would like a copy of the policy you can request a copy to be emailed or posted to you. Contact us at insurance@thanet.gov.uk or call 01843 577575.

Your buildings are insured against loss or damage caused by the following major events:

Fire and smoke.
Explosion.
Lightning or earthquake.
Riot and civil commotion.
Strikes, labour or political disturbances.
Collision by vehicles, aircraft or animals.
Storm or flood.
Falling trees or branches.
Subsidence, ground heave, or landslip.
Leakage of oil from any fixed oil-fired installation.
Damage caused by falling television aerials or satellite dishes.
Malicious damage.*
Escape of water from any fixed tank.*
Theft or attempted theft.*

*Malicious damage, theft or attempted theft and escape of water from any fixed tank are not insured if the buildings have been unoccupied for more than 30 days.

The policy excess is £250 apart from subsidence which is £1,000. This means that you must pay the first £250 (or £1,000 for subsidence) of each claim.

These apply to each property for each and every loss.

To make a claim you must complete the claim form, providing as much information as possible.

The claim form can be obtained by emailing insurance@thanet.gov.uk with your address and a brief description of the issue.

You should include photographs and two quotes for the work you want to claim for. Include any invoices for make-safe work that has been completed (for example boarding up a window.)

It is the responsibility of the leaseholder to complete the claim form. However, if you need help you can contact our Insurance Officer: insurance@thanet.gov.uk

Insurance Officer
Thanet District Council
Cecil Street
Margate
CT9 1XZ

If you need further information contact us by email- myhome@thanet.gov.uk or by telephone- 01843 577262.