Buildings insurance

Usually, we arrange buildings insurance for your home. You should take out home contents insurance to protect your belongings. If you have an older lease, you may need to arrange your own buildings insurance. Your lease will clearly state if you are responsible for your own insurance. We will need to see evidence that you have a valid policy in place.

Making a claim

CKH building insurance is provided by Protector Insurance .

To make a claim, you must contact Proctor directly. If you don’t make your claim as soon as possible, your cover could be restricted or your claim denied. If you make a claim, you might be charged an excess.

How to Report a Claim

Claims are to be notified as soon as possible, with full details to be provided within 30 days of the claim (7 days in respect of riot or malicious damage) including supporting evidence in writing.

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

Claims Route:

  1. Phone: during office hours 9am-5pm Monday to Friday telephoned through to your dedicated claim line: 0161 274 9077.
  2. Email via
  3. Online through Proctor's website

For calls made out of office hours, your call will be redirected to the emergency provider, Sedgwick.

You must not settle, reject, negotiate or agree to pay any claim or repair costs without their permission.

Buildings and permanent structures are insured for:

  • Damage caused by fire, storm, flood, collision
  • Malicious damage
  • Subsidence
  • Accidental damage
  • Escape of water/frost damage.

If your home is unoccupied for more than 90 days, a number of restrictions and policy conditions will apply. 

Download a summary of buildings insurance cover or ask us for a full copy of the policy.


Mortgage interest clause

Your mortgage lender may ask for details of your insurance cover.

We're unable to mention individual mortgage providers but our policy does include wording that's usually acceptable.