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Leaseholders

Building Insurance

Leasehold Private Dwellings Insurance Cover
Insurance for leaseholders (summary)


Building Insurance frequently asked questions.

Insured: London Borough of Islington
Insurer: Ocaso SA UK Branch
Period of Insurance: 1st April 2012 to 31st March 2013
Policy Number: 124848
Insured Property: Private dwellings sold under Lease by the Council, including Leaseholders responsibilities for common parts, and as periodically declared to Insurers by the Council.
Noted Interests: The policy contains a General Interest Clause that automatically notes the interested parties including Mortgage Companies.
Principle Perils:

The policy provides cover in respect of Loss or Damage caused to the buildings by the following:

  1. FIRE, LIGHTNING, EXPLOSION or EARTHQUAKE
  2. AIRCRAFT
  3. STORM, TEMPEST or FLOOD
  4. ESCAPE OF WATER (causing damage to buildings)
  5. ESCAPE OF OIL (causing damage to building)
  6. THEFT OF FIXTURES AND FITTINGS AND DAMAGE CAUSED BY THIEVES
  7. IMPACT
  8. RIOT
  9. SUBSIDENCE, LANDSLIP or HEAVE
  10. DAMAGE BY FALLING TV/ RADIO AERIALS
  11. FALLING TREES
  12. ACCIDENTAL DAMAGE
Common Area clause In the event of a valid claim arising under perils 1 to 11 and the Accidental Damage extension, the policy extends to include the leaseholders proportional responsibility for common areas including foundation and roofs.
Terms and Conditions:

You are responsible for the first amount of each claim as follows:

  • Subsidence claims over £1000
  • Escape of water over £150
  • All other claims over £100
General insurance
enquiries/assistance		 For general insurance enquiries please contact Home Ownership on 020 7527 7715 and ask to speak to your leasehold services officer.
Subletting: If you wish to sublet your property you must inform Home Ownership, otherwise your insurance may be affected.
Making a Claim: To make a claim please contact the following as soon as possible, and in any event within 90 days:
  Davies Managed Systems (Ocaso’s claims department), 24 hour free telephone 0800 988 8087. You can write to them at:
Ocaso CHU, PO Box 2801, East Court, Stoke on Trent, Staffordshire, ST4 9DN.

Please remember that each individual occurrence of damage is deemed to be one claim. If you report multiple incidents of damage at the same time, these will be treated as separate claims and more than one excess will be deducted from the value.

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