Buildings insurance

The Council is responsible for insuring the structure and buildings of all its properties, and leaseholders pay towards this cost as part of their service charges.

Leasehold properties (not tenanted) are currently insured under Policy No: 1160952-2, which is placed with Protector Insurance. The next policy renewal date is 1 April 2021.

For full details on what the policy covers, excludes and other general information on excess and payment limits please read the Certificate of Insurance and Policy Document:

Certificate of Insurance

Housing Management Policy Document

There was a very large increase in the cost of buildings insurance for the year starting 1 April 2018. 

Although the Council has agreed to remove any increase that related to the Grenfell tragedy, a large increase still remained. The Council has asked the First-tier Tribunal Property Chamber to decide if it is reasonable to recharge the remaining increase in premium to leaseholders. 

You can find out out more and keep up to date with the Tribunal case on our Leaseholder Buildings Insurance Service Charge - Tribunal pages.

How do I make a claim?

Claims are to be notified as soon as possible, with full details to be provided within 30 days of the claim (7 days in respect of riot or malicious damage) including supporting evidence in writing. The Police must be notified as soon as possible in the event of theft or malicious damage.

  • telephone: 0161 274 9077 (this line is operated 24/7 and will therefore also provide out of hours assistance).
  • post: Protector Insurance, 7th Floor, 3 Hardman Street, Manchester, M3 3HF.


Home Contents Insurance

We strongly recommend that you organise your own contents insurance to protect your belongings and to cover damage to your possessions. We do not insure your furniture, belongings or decorations against theft, fire, vandalism or burst pipes.

The Royal Borough of Kensington and Chelsea offers a home contents insurance policy specifically designed for tenants and leaseholders with Royal Sun Alliance. Visit the Home contents insurance page for details.