Insurance

The Insurance Section handles all the insurance needs of the Council, from arranging cover to providing a claims handling service.

Claims Against the Council

Public Liability Claims

If you have suffered personal injury or if your property has been damaged and you wish to make a claim for compensation you will need to complete an Incident Report Form. You can do this online or you can download a form or you can request a form to be sent to you by contacting the Insurance Section directly.

Please complete the form as fully as possible as the decision on your claim may be delayed if all the questions have not been answered. If you are completing the form manually you will need to return it to the address as provided above. An acknowledgement will be sent to you on receipt of this form. If you do not hear from us within 10 working days of returning this form please contact us at the above address or telephone using either of the above numbers.

For your claim to be successful you will need to prove that the Council has been at fault in law. Although something may have happened there is no automatic right to compensation.

Motor Claims

If you have suffered vehicle/property damage or personal injury which has involved a Council vehicle a Motor Incident Report Form will need to be completed. You can do this online or you can download a form or you can contact the Insurance Section directly using the contact details above. If you are completing the form manually you will need to return it to the address as provided above. An acknowledgement will be sent to you on receipt of this form. If you do not hear from us within 10 working days of returning this form please contact us at the above address or telephone using either of the above numbers.

Charnwood Borough Council does not deal with claims relating to slips, trips and falls on the public highway. This is the responsibility of Leicestershire County Council. If you have a claim please contact them on 0800 626203 or visit the county council’s website.

If you have suffered personal injury or property damage which has been caused by operatives working for the Council’s refuse contractors you will need to contact the Council’s Environmental Services.

If you are a Charnwood Neighbourhood Housing tenant your home will be insured by the Council. However this insurance cover is for the building only and not anything inside it. Charnwood Neighbourhood Housing offers a Home Contents insurance scheme. Further details can be found by visiting their website.

Leaseholders

As a condition of your lease, the Council takes out building insurance cover for your property. An amount is included within your service charge to cover the insurance premium. The policy insures the structure of the building and its fixtures. The policy schedule gives full details of what is covered. It does not insure the contents of your home. This is your responsibility and you are strongly advised to make your own arrangements.

If you need to make a claim

When damage has occurred to your property and you need to make a claim you should request a claim form from the Council’s Insurance Officer on 01509 634907.

Claims are to be notified as soon as possible and within seven days in respect of claims for malicious damage.

The Police must be notified as soon as possible in the event of theft or malicious damage.

You will need to return the form to the address as provided above. An acknowledgement will be sent to you on receipt of this form. If you do not hear from us within 10 working days of returning this form please contact us at the above address or telephone using either of the above numbers.

More information can be found in the Leaseholders Handbook.