Your service charge
Ground Rent and Buildings Insurance
Ground rent
Most leaseholders pay £10 a year ground rent. This is invoiced half yearly in advance on 1 April and 1 October together with the estimated service charge. The annual ground rent is set out in your lease, and is fixed for the term.
Buildings insurance
The Council arranges the building insurance cover for your property. The annual premium is included in your service charge. Each year an updated schedule of cover is sent out to leaseholders.
How to make a claim
Contact the insurer's Protector directly by calling 0161 823 1912 (Monday to Friday, 9am to 5pm), or by emailing protectorclaims@uk.sedgwick.com.
For calls made outside of office hours dial the above number and your call will be redirected to the out-of-hours office.
It is important that 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. If there is any delay in reporting the incident the insurance company may refuse your claim.
See below for more detailed information on the cover included in the building insurance:
| Policy Number: | 3132791 |
| Period of Insurance: | 1 April 2024 - 31 March 2025 |
| Policyholder (interested parties): | The Royal Borough of Kingston upon Thames and Leaseholders |
| Insured Premises: | Any residential property in which the Local Authority has sold a leasehold or shared ownership interest and which Protector has accepted the risk. The terms of the policy apply separately to each property as though each had been insured by a separate policy |
| Insured Risks and Excess: | The insured buildings are indemnified against loss or damage caused by the following perils:
Fire, explosion, lightning, earthquake or smoke, storm or flood, riot, civil unrest, strikes, or labour or political disturbances, malicious persons or vandals, impact by aircrafts, vehicles or animals, escape of water from water tanks, pipes, equipment or fixed heating systems, water freezing in tanks, equipment or pipes, heating fuel leaking from a fixed heating system, theft or attempted theft, falling radio or television aerials, solar panels, wind turbines and security equipment, their fittings and masts, falling trees or branches, telegraph poles, pylons or lamp posts, subsidence or heave of the land on which the buildings stand, or landslip, accidental damage to drains, pipes, cables and underground tanks used to provide services to or from the buildings, and accidental breakage of glass in doors or windows, or ceramic hobs, sanitary ware and solar heating panels fixed to an forming part of the buildings.
These apply to each insured property for each and every loss. For full details of policy cover and all terms and conditions, please refer to the Leasehold Buildings policy document. |
| Property Owners Liability: | £5,000,000 any one occurrence inclusive of all costs and expenses |
| Terrorism: | Included separately
Insurer: Bowring Marsh Policy Number: B0509BOWTL2451191 Contact Number: 020 8770 5353 (Sutton Council Insurance Team) |
The above is a summary and is not an exhaustive list of items covered. For full details of your policy cover and all terms and conditions, refer to the buildings insurance policy document.
2024-25 buildings insurance documents.
If you have any questions email insurance@kingston.gov.uk.