Buildings insurance

In most cases, we're responsible for arranging buildings insurance for your home (you are always responsible for arranging home contents insurance). If you have an older lease, you may need to arrange your own buildings insurance and provide evidence that a valid policy is in place. Your lease will state if you are responsible for this.

CKH building insurance is provided by Zurich and you will need to contact them directly in the event of an incident.

Buildings and permanent structures are insured for:

  • Damage caused by fire, storm, flood, collision
  • Malicious damage
  • Subsidence
  • Escape of water/frost damage
  • Replacement locks if you lose your keys.

If you make a claim, you might be charged an excess.

General wear and tear or damage occurring gradually is not covered.

If your home is unoccupied for more than 90 days, a number of restrictions and policy conditions will apply. Contact Zurich on 0800 028 0336 for further details.

You can ask us for a full copy of the insurance policy.

Making a claim

Zurich, require claims to be made as soon as an incident occurs. If you don't make your claim quickly, then cover might be restricted or your claim could be denied altogether.

In the event of an incident, call Zurich on: 0800 028 0336 as soon as possible with full details of the loss or damage.

They will:

  • send you a claim form which must be completed and returned within 14 days of the incident
  • arrange for the damage to be assessed and agree with you about what repairs or replacements are required.

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

Mortgage interest clause

Your mortgage lender will probably ask for details of your insurance cover.

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