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Many council tenants think that KNH automatically insures their furniture, belongings and decorations against damage - this is not the case.

Unfortunately, many of our customers only realise this after the damage has been done so we strongly recommend that you take out your own home contents insurance.

Fire, flood or 'break-ins' can bring financial disaster if you are not properly insured. Loss of or damage to your own possessions is entirely your responsibility.

We strongly recommend that you take out a home contents insurance policy. It needn't be expensive but it could save you thousands.

KNH runs its own, low cost, home contents insurance scheme arranged through an exclusive deal for our tenants.

The KNH policy is excellent value for money. It covers against damage caused by fire, water, theft or vandalism and will replace certain items which are up to five years old on a "new for old" basis. The policy does not require any "excess" payments from customers.

Payments can be made annually, monthly or even weekly at cash offices, post offices or by direct debit from a suitable bank account or by secure payment online.

• Download the insurance information leaflet
• Download the application form
• Pay online via the secure Kirklees Council payment facility

The KNH policy is currently underwritten by Royal & Sun Alliance, with the Policy being brokered via Marsh.

To make a claim

If you need to make a claim, call 01484 223262 and quote the Insurance Reference number on the Payment Card.

You should contact the police about all incidents of accidental loss, theft attempted theft or vandalism, loss, damage or injury caused by malicious persons and do not dispose of damaged items before they are seen by the loss adjuster.

Please remember that your insurance account must be paid up to date to be eligible to make a claim.

Please remember that your insurance account must be paid up to date to be eligible to make a claim.

If you are not satisfied with the outcome of your claim, the following steps should be taken:

• Step 1
  Contact Royal & Sun Alliance Insurance PLC
  Household Operations
  PO BOX4162
  17 York Street
  Manchester
  M2 3RS
  
  Tel: 0845 071 0143
• Step 2
  If you remain unhappy write to:
  Royal & Sun Alliance
  Customer Relations Office
  Bowling Mill
  Dean Clough Industrial Park
  Halifax
  HX3 5WA
• Step 3
  If you are still unhappy write to:
  Financial Ombudsman Service,
  South Quay Plaza,
  183 Marsh Wall,
  London
  E14 9SR.

Other websites

• Confused.com
• Moneysupermarket.com