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. Their claims are administrated by Questgates.

Call Questgates on 0161 823 4810 or as soon as possible with full details of the loss or damage.

You must contact them 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.

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. 

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.