Your home and possessions are valuable, so it’s important to protect and insure them. Here’s all the information you need to get the right policies in place and make claims for any accidents in your home.
Where Moat is the freeholder, we take out buildings insurance for the building you live in. This covers the costs of major damage to the structure of your building. This includes external walls, the roof and communal areas, and provides cover for events such as fires, storms, floods, leaks or subsidence. Buildings insurance does not cover general repairs and maintenance.
The cost of your buildings insurance is based on the rebuild value of your home and is paid through your service charges. Insurance premiums can vary from year to year. You will be notified of any changes in premiums and can also request details of insurance costs by contacting customer@moat.co.uk.
You can view a copy of the Summary of Cover which explains the policy and other information to help you to understand what is and isn’t covered. Full terms and conditions are available on request.
In some cases, leaseholders may have a contractual obligation to insure the building they live in. You should check your lease and ask your solicitor to confirm your lease conditions and responsibilities for insurance, repairs, maintenance and charges before you purchase your home.
In line with recent changes made by the Financial Conduct Authority, your buildings insurance now has to be more transparent in terms of its cost and the commission our broker receives. This letter from Marsh (the broker) details the premium Moat pay for our insurance programme and Marsh’s commission. Please note that we receive no payment from Marsh or the buildings insurer, Protector. The exact amount you pay for your building’s insurance will be detailed within your service charge.
If you wish to make a claim against the buildings insurance, you can do this 24 hours a day, seven days a week. A specialist claims management team (Broadspire or Protector) will take your details.
If the incident happened before or on the 30 September 2022, please contact:
Don’t forget to quote our policy number which is 2020CP000067.
If the incident happened after or on the 1 October 2022, please contact:
Email: claims@protectorinsurance.co.uk
Call: 0161 274 9077
Don’t forget to quote our policy number which is 2937976
Claims can be reported directly via the Protector Claims Portal by going to their website https://protectorinsurance.co.uk/ and clicking the "submit claim" button. Once a claim has been set up, use of this portal is also an effective way of sending information to Protector.
As a shared owner or leaseholder, the claims team will process the claim directly with you as the claimant.
To help deal with the claim efficiently, please try to provide as much information as possible, including:
If you make a claim as a leaseholder or shared owner, you will have to pay an excess of £200 for most accepted claims and £1,000 for claims relating to subsidence.
You can get further free independent advice and guidance from Citizens Advice and for residential leaseholders, from the Leasehold Advisory Service.
Whether you’re a tenant, shared owner or leaseholder, it’s important to insure your home contents, as we do not cover this on your behalf.
When we say ‘contents’, we mean your belongings. This is essentially everything that could be put in a removals van if you were to move house, including things like white goods, electronic devices, televisions, curtains and even the food in your freezer! To replace these items if there was unfortunately a washing machine flood, fire or a break in, for example, could get expensive. Therefore, we recommend taking out home contents insurance with a reputable company. You are free to choose your own insurance provider and select the level of cover you’d like.
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We do have a partnership with the Royal Sun Alliance insurance company open to our tenants and shared owners. Cover with the Royal Sun Alliance insurance company includes:
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If you would like to apply, you can do so by:
You can make a claim to the Royal Sun Alliance insurance company by calling them on 0345 671 8171 or submitting your claim online here.
*Royal & Sun Alliance Ltd (No. 93792). Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
