Leasehold buildings insurance

If you are a Sutton Council right-to-buy leaseholder, you can:

If you would like to make a claim on your Leasehold Buildings Insurance policy, please contact Protector during office hours 9am-5pm Monday to Friday telephoned through to your dedicated claim line: 0161 274 9077, via email at claims@protectorinsurance.co.uk or through  Protector's website. For calls made out of office hours, your call will be redirected to the emergency provider, Segwick's.

You'll need to quote policy number 3133440.

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.

Aspects Leaseholders

If you are a leaseholder at Aspects, contact your managing agent if you would like information or a copy of your policy and schedule.

What is Leasehold Buildings Insurance?

This is a type of property insurance policy that covers your leasehold property for any damages to the building’s structure. The building’s structure would include internal walls, ceilings, floors and anything fitted inside your home.

Do I need to contact Sutton Housing Partnership when making a claim?

If you have submitted a claim through Protector and notified Protector about an update on your claim, you do not need to contact Sutton Housing Partnership. However, if there are any repairs/actions that you believe are for SHP to handle, please contact them separately.

Does this insurance cover contents inside my home?

No - contents are all personal belongings inside your home such as furniture, carpets, curtains, televisions and items not permanently attached to your building’s structure. 

It is your responsibility as the leaseholder to arrange your own contents insurance if you wish to do so. If you don’t, there is a risk of your contents getting damaged that will not be covered under your Leasehold insurance. Any claim against the London Borough of Sutton for contents damage would only be successful if you could provide negligence on the part of Sutton Housing Partnership.

My claim relates to a service delivery failure

If your claim relates to a service delivery failure, please contact Sutton Housing Partnership directly. However, to reduce any stress caused, we would advise contacting your insurers as soon as you receive an issue via the details above. 

Selling your leasehold home

If you are selling your home you will need to request a leasehold seller's pack/pre-assignment enquiry.

Lease extensions

The London Borough of Sutton manages requests for leasehold extensions following the legal process. A solicitor should be instructed to serve the necessary notice on your behalf. 

For more information on the process, please download our Lease Extension leaflet PDF [1MB] or visit Gov.uk.

I have questions that are not included here

If you have any additional questions, please contact Sutton’s Insurance Team by emailing insurance@sutton.gov.uk or calling on 020 8770 5353.