Why do I need home contents insurance?

We do not insure the contents in your home so it’s important you take the steps to protect your personal belongings. Home contents insurance covers your home items from:

• Theft
• Fire
• Burst water pipes or floods
• Vandalism or damage
• Some accidents

It even insures you for lost or stolen house keys, your freezer contents (food) and the cost of alternative accommodation if you have to stay somewhere else after your home is damaged.

How can Riverside Scotland help me?

The insurance broker Marsh Ltd has teamed up with the insurer RSA to offer a low-priced insurance deal for you.

The scheme is provided by Marsh Ltd and RSA for our Riverside Scotland tenants, shared owners and leaseholders.

Applying is easy and you can pay weekly, fortnightly, monthly or annually. If you do make a claim, there is no excess to pay up front.

What you need to know about RSA’s tenants contents insurance

• Tenants contents insurance financially protects the contents in your home, garage and shed.
• Cover includes improvements you make to your home, such as new laminate flooring or a fitted kitchen.
• You don’t have to have special door or window locks – as long as your external doors lock, its fine.

Find out more about RSA’s tenants contents insurance in their key information sheet.

Who do I need to contact to set up my home contents insurance?

The scheme is with Royal & Sun Alliance insurance plc*, it is called SIMPLE and SIMPLE+.

You can:

• apply online via the RSA website,
• download the application form on this page and apply by post,
• or call RSA on 0345 671 8172 to apply by phone.

If you choose to go ahead with the Simple or Simple+ home contents insurance, it is up to you to make sure the policy fits your needs.

Riverside Scotland is not involved in the day-to-day administration of the scheme other than to let you know about this option available to you.

You can decide to pick your own home contents insurance from another provider if you think it’s better or easier for you.

*The scheme, which is optional to join, is administered for the insurer Royal & Sun Alliance by a company called Ryan Direct Group (which writes out as Royal & Sun Alliance).  Ryan Direct Group issues individual policies to the tenants who apply, collects the premiums, deals with queries, and arranges for settlement of claims. Riverside Scotland is not involved in the day-to-day administration of the scheme other than to issue prospectuses to tenants on request.

Submitting a claim

Submitting a claim for home contents insurance can be very stressful. To help the process you can now access an online claims portal provided by the insurer. You can use the portal to submit a claim and track its process.

You can find the claims portal here.