Camden arranges insurance cover for the buildings we own. You need to arrange cover for your contents. The cover provided by the Council is for the structure of your property and communal areas and includes accidental damage such as fire, storm damage, flooding and subsidence. The Insurance Policy and Summary of Cover includes important information about the building insurance. If Camden does not own the building the insurance will be arranged by the freeholder.
Increase in the cost of insurance for 2020/21
Your building insurance has been renewed with NIG through Arthur J Gallagher for a further period of 12 months with effect from 1st April 2020. Unfortunately the cost has increased by 7.5%. This is due to the poor claims experience in years 2018-19 and 2019-20. Camden did consider re-tendering the contract, but having reviewed the insurance market the best option was to renew.
Insurance Policy (PDF)
Summary of Cover (PDF)
From April 2018, Arthur J Gallagher (AJG) will be the new buildings insurance provider. The Council is responsible for arranging buildings insurance for most leasehold properties under the lease terms. The new contract started on 1 April 2018 and will run for 5 years.
In the event of a claim
During normal office hours phone your insurer NIG on 0800 051 0233.
Outside normal office hours phone the loss adjuster Woodgate and Clark on 01732 520270.
Confirm you are a leaseholder of the London Borough of Camden and that cover is via Arthur J. Gallagher Insurance Brokers Limited and we will be able to advise and assist you.
If you are the victim of theft, riot or vandalism, tell the police within 24 hours of discovery and ask for an incident number or crime report number, then notify your insurers as soon as you can.
If you live in a building where the freehold is not owned by Camden you may have a different buildings insurer, please contact leaseholders services for more information.
Some important points about the buildings insurance
If anything happens in your home which might lead to a claim, you need to report the incident to the buildings insurer as soon as possible, but no more than 90 days after the date you should have known about the insured incident.
In an emergency take immediate action to protect your property from further damage by switching off the gas, electricity and water.
The policy excess is the first £250 of each and every claim (rising to £350 from 1st July 2020), other than accidental damage (for which there is no excess). The Camden insurance team will refund the leaseholder the additional £100 on receipt of the policy excess receipt/invoice. Please send this to email@example.com. For claims relating to subsidence or landslip (for example, if the property moves due to land movement and results in damage to the building) this increases to £1,000. The excess applies per property.
If damage is caused by a problem with the council’s communal services or pipes and you believe the council is responsible, you can make a claim on the council’s public liability insurance. This is managed by Camden’s insurance section and you can ask for a claim form from the insurance team.
If the leasehold property is left unoccupied for more than 35 consecutive days there is no cover if loss or damage occurs by escape of water or oil, malicious damage, theft or attempted theft, accidental damage or accidental breakage of glass.
Please note the above points relate only to Camden’s insurance policy where the council is the freeholder.