Buildings insurance

If you are an owner and need to make a claim or wish to view the summary of cover for the building insurance, please find Westward’s summary below.

Summary of insurance cover: shared owners and leaseholders 2021

Summary of insurance cover: managed schemes

Cover for damage to the Premises including buildings and communal/landlords contents on an “All Risks” basis including, but not restricted to:

  • Fire, Lightning, Explosion
  • Aircraft and articles dropped from them
  • Riot, Civil Commotion, Strikers or Malicious Persons (other than thieves)
  • Earthquake
  • Storm or Flood
  • Escape of Water from any tank, apparatus of pipe
  • Escape of Fuel from any fixed oil heating installation
  • Falling Trees
  • Impact
  • Theft
  • Subsidence
  • Accidental Damage

“All Risks” provides cover for all Damage to the Property Insured (subject to any Excess stated in the schedule) occurring during the currency of the policy unless specifically excluded in the policy wording. Damage as a result of terrorism is operative.

The Premises include fixtures and fittings, Interior decorations, Contents of Common Parts, telecommunications aerials, aerial fittings and masts, fixed signs, satellite dishes, walls, patios, terraces, gates, fences, hedges, yards, canopies, solar heating panels, fixed signs, hoardings, paths, drives, car parks, roads, pavements, outbuildings, garages, greenhouses, sheds, ornaments, statues, fountains, cesspits, septic tanks, oil tanks, drains, underground pipes, gas and water mains, cables and wires, piping, ducting, electrical installations, meters, lifts, boilers, central heating plant, CCTV systems, external lighting, baths, bath panels, washbasins, pedestal sinks, splash backs, shower trays and sanitary ware contained in any part of the Premises occupied as an individual private dwelling or flat. 

This is a summary of cover only - for full terms, conditions and exclusions please see the schedule, endorsements and policy wording.

Claims Procedure

In the event of a claim or to obtain a copy of the schedule, endorsements and policy wording contact Arthur J. Gallagher Insurance Brokers Limited (for Aviva Insurance Limited), 27-30 Railway Street, Chelmsford, Essex CM1 1QS; or telephone 01245 341200.  If theft or malicious damage is suspected, inform the police and take all practical steps to recover the property lost.

If you require any further information please do not hesitate to contact the Home Ownership Team on 0300 303 8535.