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 email@example.com.
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.
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) will take your details. Here’s how you can contact them:
Don’t forget to quote our policy number which is 2020CP000067.
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.
Whether you are a tenant, shared owner or leaseholder, it is your responsibility to insure your home contents. We recommend taking out home contents insurance with a reputable company.
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! Carpets are covered by contents insurance, too. You are free to choose your own insurance provider and select the level of cover you’d like.
We also have a partnership with the Royal Sun Alliance (RSA)* who have given us a fantastic deal for any Moat customers. Cover with the RSA includes:
If you would like to apply, you can do so by calling 03456 718 172. Please note this is arranged between the customer and RSA independently of Moat.
*Royal & Sun Alliance Insurance plc (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