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About your property

Information for Leaseholders regarding heating and hot water, pest infestation, buildings insurance and subletting your home.

Insurance

The council is responsible for your building insurance and part of your service charge covers this cost. 

Your building is insured under policy number 3120763 with Protector Insurance.

You must take all reasonable steps to minimise loss or damage to all insured property including keeping the buildings in a good condition and state of repair.

On the happening of an event, which could give rise to a claim under this policy, you shall immediately notify your insurer with particulars and proofs as may be reasonably required, with full details to be provided within 30 days (7 days in respect of riot, civil unrest, strikes, labour or political disturbances or malicious persons).

The Police must be notified as soon as possible in the event of theft, malicious damage or riot.

How do I make a claim?

If you wish to make a claim on your buildings insurance, please contact Sedgwick International UK, claims administrators on behalf of City of Westminster Council, quoting policy number 3120763.

Claims are managed by Sedgwick International UK as the Councils appointed agents. Sedgwick International UK are Chartered Loss Adjusters and Claims Handling specialists.

You can submit a claim via email to [email protected] or via post to the address below. If the matter is urgent please telephone them on 029 2029 3964, which is answered 24 hours a day.

Sedgwick International UK, Oakleigh House , 14-16 Park Place , Cardiff CF10 3DQ

If the incident date of claim was before 1 April 2023, please contact please contact Questgates Limited, claims administrators on behalf of Avid Insurance Services Ltd, quoting policy number 2022PC000109.

Questgates can be contacted via email at [email protected] or post to the address below. If the matter is urgent please telephone them on 01204 860427, which is answered 24 hours a day.

TPA Solutions, Questgates Limited, Benchmark House, Folds Point, Folds Road, Bolton, BL1 2RZ.

I think my property is under or over insured

If you are unsure if the level of cover is adequate, you are advised to arrange for the flat to be surveyed and valued for insurance purposes by a RICS qualified surveyor. Where we receive written requests for a change in the fire valuation we will consider them. Please note that Insurance cover runs for a full financial year and no changes affecting the premium can be made until the next renewal date. Where alterations or extensions have been carried out without landlord's consent, you should be aware that in the event of a major incident you may not be fully covered.

If you have any queries regarding the level of insurance provided, please email [email protected] or write to Insurance Section, Town Hall, 8 Hornton Street, London W8 7NX.  

Please note that if you short-let your property, you are not covered by our current Building’s Insurance policy as this is a breach of your lease which invalidates your coverage.

Related documents 

Document
Policy wording, 2023
Policy wording, 2023 PDF, 346.98 KB, 25 pages
Document
Summary of cover, 2023
Summary of cover, 2023 PDF, 440.1 KB, 4 pages
Document
Terrorism - schedule of cover
Terrorism - schedule of cover PDF, 71.83 KB, 1 page

Published: 8 January 2021

Last updated: 2 October 2023