Our Insurance Arrangements

Platform Housing Group arranges Insurance Cover for our properties against damage caused by incidents and accidents falling into different categories. The arrangements differ depending on the type of property and the type of tenancy agreement that is in place.

There are two main types of insurance that should be considered in relation to your home, Contents and Buildings insurance:

Contents Insurance

It is your responsibility to arrange insurance for your possessions and liabilities. Platform arranges a Buildings Insurance policy for the main structure of your home but does not arrange Household Contents Insurance for you. Contents policies are designed to complement the Buildings policy and can include options for additional cover and benefits such as legal advice or representation for common problems.     

To protect you against your liabilities to us and for losses that you may otherwise suffer without cover, it is recommended that you obtain at least a basic Tenants Liability Insurance Cover to provide you with peace of mind and financial security in case anything goes wrong. Although the cost might seem hard to justify or see the benefit of to some, especially if you have few possessions, this type of policy can provide far more help and assurance than just replacing physical possessions as well as peace of mind and financial security.  

Buildings Insurance

Platform Housing Group insures the structure of your home against damage or destruction caused by events as Fire, Storm and Flooding. It is important that our customers appreciate that our policy, like all Insurance policies, has exclusions and limits to what is covered.

The policy is intended to cover the main building structure, including fixtures and fittings and other permanent items such as your kitchen units and sanitary ware. Your possessions and some or parts of the building including decorations, along with your personal liabilities, including your liability to us if you damage the property, are not covered by this policy as they are expected to be covered by your Contents policy.

Shared Ownership and Leasehold Properties

For more information on what is and what is not covered by the Buildings Insurance policy we arrange for shared ownership or leasehold properties, please view our summary of cover: Buildings insurance Summary of Cover 2021-22 [pdf] 259KB

The summary is an overview and it is important to note the restrictions and conditions of cover, particularly if the property is going to be unoccupied for any period of time.   

The policy does not include Contents Insurance Cover. It is the responsibility of our customer to arrange Contents Insurance to protect their possessions and their liabilities to the public, or to us under the terms of the agreement we have with you.

Claims against this policy are managed on our behalf by Gallagher Insurance Brokers, who should be contacted in the first instance to report incidents and to answer any queries. If the team at Gallagher is unable to assist you for whatever reason please let us know so that we can get involved by emailing us at insurance@platformhg.com with details.

Properties other than Shared Ownership or Leasehold

Platform Housing Group arranges Buildings Insurance for our properties. The arrangements are intended to provide good value for money along with high levels of service, assurance and protection for the Group and our customers.

Should you have any questions or queries in relation to our insurance arrangements or you require copies of any certificates or policies for a lender or other party, please contact us with details of the property and your requirements at insurance@platformhg.com.

If you need to request a repair please follow the advice and process here: www.platformhg.com/report-a-repair