Are you covered written on a beach 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

The structure of the house, bungalow, flat, apartment, block of flats or commercial property owned by you, or for which you are legally responsible which has been declared to us and which we have accepted under this insurance including 

  • Garages, greenhouse, sheds and outbuildings 
  • Statues and fountains cemented into the ground 
  • Aerials, satellite dishes and solar panels 

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

  • Fire, smoke, lightning, explosion, earthquake
  • Storm or Flood
  • Freezing water in fixed water or fixed heating systems, water escaping from washing machines, dishwashers, fixed water or fixed heating systems or Oil escaping from a fixed heating system
  • Riot, civil commotion, strike, labour or political disturbance
  • Malicious Damage
  • Theft or attempted theft
  • Subsidence, heave or landslip of the site on which your buildings stand
  • Falling trees or branches
  • Falling aerials or satellite receiving equipment
  • Impact by flying objects, vehicles, trains, animals or aircraft or anything dropped from them
  • Accidental Damage

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

Claims Procedure

Claims are to be notified as soon as possible, with full details to be provided within 30 days of the claim (7 days in respect of riot or malicious damage) including supporting evidence in writing. The Police must be notified as soon as possible in the event of theft or malicious damage.

1. Phone: during office hours 9am-5pm Monday to Friday telephoned through to your dedicated claim line: 0161 274 9077. 
2. Email via claims@protectorinsurance.co.uk
3. Online through their website https://www.protectorinsurance.co.uk
For calls made out of office hours, your call will be redirect to the emergency provider, Sedgwick’s.