Insurance for your home
Eastlight arranges Building Insurance covering the structure of your home. We recommend you purchase Contents Insurance to protect the belongings that matter to you.
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Contents Insurance
Contents Insurance covers the cost of repairing or replacing your possessions if the worst happens and your home is damaged by a storm, a fire or another serious incident.
You can purchase Contents Insurance for as little as 90p a month.*
We have partnered with Aviva to offer home Contents Insurance for all our residents (including tenants, shared owners and leaseholders**). You don’t need to pay an excess on any claims under this scheme, and rates start at just 90p per month for £4,000 standard cover. You can also select full accidental damage and other add-on covers for an additional premium.
Whilst we believe Aviva provides an excellent service at affordable rates, we cannot guarantee that the scheme provides the cheapest or widest cover. You may be able to get the insurance cover you want at a better price if you shop around.
Eastlight makes no charge nor receives any commission or other benefits from promoting this product.
The scheme is administered by Wessex Group, who work with the insurer Aviva to provide insurance cover for our tenants where required.
*90p per month for £4,000 standard cover. Includes IPT (Insurance Premium Tax) at the current rate.
** Please note the scheme is not available to leaseholders who sub-let their homes.
The contents in your home (including garages and gardens) will be insured against events such as fire, theft or flooding.
The cover also includes things like:
- Replacing door locks if your keys are lost or stolen
- Accidental damage to audio, video or computer equipment in your home
- Personal liability
- Broken glass.
It doesn’t cover wear and tear (like worn carpets) or an appliance breaking down.
You can also take out optional cover for:
- Accidental damage
- Theft, loss or damage of:
- Personal belongings away from the home, worldwide (which includes things like mobile phones and jewellery)
- Wheelchairs, mobility scooters and hearing aids away from the home, worldwide.
Read the Insurance Product Information Document here for a full breakdown of what is and isn’t covered.
To help you calculate how much cover you need you can complete a short, do-it-yourself valuation sheet here to help work out how much cover you need.
Your home contents are covered on a ‘new for old’ basis – which means that, in the case of a reported theft, loss or damage, they’ll be replaced with brand new items of the same value. The only exception is linen and clothing, which will be replaced at their current cost (minus an amount for wear and tear).
When you’re working out the cost of your insurance, you need to work out how much it will cost to replace the full contents. If you under value your contents, this means you may not get the full value of your claim.
How much you pay (called the ‘premium’) depends on the amount you want insured.
You can pay the premium monthly or annually.
The lowest amount that can be insured is £4,000. The prices are set out below. They include the Insurance Premium Tax at the current rate.
You don’t need to pay any excess under this scheme if you need to make a claim.
Click on the links below to learn more about the rates:
- Cost of insurance (standard cover)
- Accidental damage (optional)
- Add-on covers (optional). These including Personal belongings, wheelchairs, mobility scooters and hearing aids.
You can pay either:
- Monthly (by Direct Debit)
- Annually (by cheque, postal order or Debit/Credit Card)
You must keep up with your payments to make sure you’re covered.
Wessex Group can cancel the policy if you miss your premium payments. You may not be able to make a claim unless your payments are up to date.
Or download and complete and application form here, and then post it to:
Wessex Group
Jewry House, Jewry Street
Winchester
SO23 8RZ.
To request a hard copy of the application form in the post, please call Eastlight’s Customer Services Team on 0330 128 0330 and we’ll send one out to you.
If you would like support or have any questions regarding the Contents Insurance application form, please call Wessex Administration on 01962 892 086.
You can also apply by phone. Call Wessex Administration on 01962 892 086.
Read the privacy notice here for information on how Wessex Group uses your personal data after you apply.
If you do not buy Contents Insurance cover and experience an incident that leaves you facing financial hardship, Eastlight may be able to offer some limited support. To request this support, please contact us here.
However, as our financial support available is limited and will not be sufficient to place you back in the financial position you were in prior to the loss, damage or theft, we always recommend buying Contents Insurance if possible.
Acceptance restrictions may apply for conviction and claims experience. Terms and conditions apply. The policy is arranged by Aon UK Ltd and underwritten by Aviva Insurance Limited and administered by Wessex Administration Services Limited who are all authorised and regulated by the Financial Conduct Authority. You must review the Important Notice and Declaration in the application pack before calling to apply. FP.TCI.2024.167.GG.
Buildings insurance
For tenants, shared owners and leaseholders.
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Buildings Insurance for Tenants
Eastlight arranges Buildings Insurance for your home. This covers damage or destruction caused by events such as fires, storms and flooding, with some exceptions.
This insurance covers the structure of your home, including the building itself, fixtures, fittings and other permanent items, such as kitchen units.
If you are an Eastlight tenant whose home suffers damage, please contact us to arrange a repair. Eastlight will arrange any claims on its Buildings Insurance.
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Buildings Insurance for Shared Owners, Commercial Shops & Leaseholders
Although Eastlight arranges the insurance on behalf of our customers and their lenders, pays for the policy initially and collects the costs from our customers, Eastlight customers should contact the Insurance company directly to make a claim or an enquiry about the cover and type of support available as soon as possible. Any excess contribution or uninsured losses are the responsibility of the customer. Details of the policy cover, including the contact details for reporting claims, are enclosed here.
The cover purchased is intended to provide comprehensive cover with low contributions and high claims assistance available to our customers.
Eastlight monitors the claims performance of our insurers and would like to be informed of any complaints or disputes that customers have about the service. We would also like to be informed of any challenges to any decisions made by our Insurance Company.
If this applies to you, or if you wish to report positive or negative experiences with the service, please let us know by emailing the Insurance Manager at insurance@eastlighthomes.co.ukRising costs of insurance
The cost of purchasing insurance has risen significantly in recent years. According to the House Rebuilding Cost Index (HRCI) from the Building Cost Information Service, which tracks fluctuations in rebuilding costs like raw material prices and labour expenses, the index increased by 21% in the two years leading up to January 2024. This rise has further contributed to the cost of repairing homes.
Additional support
We recognise that the rising cost of living can have an impact on everyone. If you are struggling to make ends meet and require additional support, please visit our Extra Support page here to find out how we can help.
