Shared Ownership and Leasehold Properties Insurance

SO Houses

The summary is an overview dealing with the main points. The full wording can be obtained from the Platform insurance dept or from our insurers direct on request. It is important to note the restrictions and conditions of cover, especially if the property is going to be unoccupied for any period of time.   

In line with our approach, although the policy excess is kept as low as possible by us, the responsibility for the excess and any other losses or aspects that are not covered lies with the shared owner/ leaseholder. This means that any claim will be reduced by the appropriate contribution amount when it is processed, and that shortfalls need to be paid by the customer rather than by Platform.   

  • If you need to make a claim, you should report it to our insurers direct.
  • We will not be involved unless you wish us to assist with any technical issues with the policy or you wish to challenge a decision of the insurer.
  • You will be expected to arrange quotes and the work as well as with loss adjusters direct.
  • You are responsible for the payment of the excess and for any expenses or costs not covered by the policy. 

Claims against this policy are managed by the insurance company, who should be contacted in the first instance to report incidents and to answer any queries. To make a claim please call 0161 274 9011 or email

If the team at Protector Insurance are unable to assist you for whatever reason, please let us know so that we can assist by emailing us at with details.

Please note that the policy we arrange excludes customer’s possessions and responsibilities. These would usually be Insured through a Contents Insurance policy. It is the responsibility of our customer to arrange Contents Insurance to protect their possessions and their liabilities to the public, or to Platform under the terms of the agreement we have with you. To assist our customers to obtain this cover Platform has partnered with Thistle Insurance Brokers to offer a bespoke Contents Insurance policy to all our customers, including to shared ownership and leasehold customers as well.

Further details including rates and how to obtain cover are on the Home Contents Insurance section.

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 Buildings Insurance Summary of Cover.