Buildings Insurance

The Association organise the buildings insurance for all leasehold properties, and the premium is collected as part of your service charge.

All of the leasehold properties are insured on a block policy. The value is recalculated each year using an average figure supplied by RICS (Royal Institute of Chartered Surveyors), which also takes into account increases in the costs of rebuilding. The four leasehold schemes are insured for a value of £9,641,372 and the premium for the current year was 65p per thousand pounds insured.

Procedure for Claims

Residents should contact Zurich Municipal direct on 0870 2418050 during office hours or 0800 0280336 for emergency out of hours repairs, such as fire, which cannot wait until the next working day.

You will need to quote: Railway Housing Policy number: JHA-22S043-0013

Zurich will ask you to complete a claim form which you should send to Property Claims Unit, PO Box 108, Farnborough, GU14 0XQ. They will then arrange for the repair to be carried out directly by one of their own approved contractors. This new system should significantly speed up the process for insurance related repairs.

There is an excess of £100 for each and every claim and residents will be responsible for paying this for any claim that is as a result of damage within their flat, such as washing machine flood or damage to wash basin caused by an item being dropped.

If damage is the result of criminal damage or vandalism then the excess will be paid from the scheme fund.