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Future of Tenant's Contents Insurance Scheme

Meeting: 22/09/2022 - Housing Scrutiny Committee (Item 40)

40 Future of Tenant's Contents Insurance Scheme pdf icon PDF 183 KB


Matter for Decision

This report reviewed the future provision of the weekly paid, ‘with rent’ Tenants Contents Insurance Scheme.


Decision of Executive Councillor for Housing

i.               Approved that the Council ceased to directly offer Tenants Contents Insurance with immediate effect and terminates the existing contract on 31st March 2023, notifying all existing customers of this in the intervening period.

ii.             Approved a delegation to the Strategic Director, in consultation with the Executive Councillor, Chair, Vice Chair and Opposition Spokespersons, to determine whether an ‘arm’s length’ scheme could be offered to council tenants as an alternative, implementing this if due diligence confirmed it was viable.


Reason for the Decision

As set out in the Officer’s report.


Any Alternative Options Considered and Rejected

Not applicable.


Scrutiny Considerations

The Committee received a report from the Assistant Head of Finance and Business Manager.


The Assistant Head of Finance and Business Manager said the following in response to Members’ questions:

i.               Noted that some tenants would need extra support if this service was no longer provided by the City Council however Officer’s also needed to be careful not to give any advice to ensure that they did not fall foul of the Financial Services Authority (FSA) regulations. 

ii.             Noted Member’s concerns about residents potentially being digitally excluded.

iii.            Officers would communicate with the Vice-Chair and Spokespersons as part of the proposed delegated investigation process into whether the Council could recommend certain insurers on an arm’s length basis, to tenants who currently had contents insurance through the council. 

iv.           Confirmed that if it was deemed viable to proceed with the ‘arm’s length’ process referred to in recommendation ii, then a procurement process would need to be undertaken.


The Committee unanimously resolved to endorse the recommendations.


The Executive Councillor approved the recommendations.


Conflicts of Interest Declared by the Executive Councillor (and any Dispensations Granted)

No conflicts of interest were declared by the Executive Councillor.