Leaseholder insurance policy from 31 March 2023

The buildings insurance policy for your leasehold and/or shared ownership property is insured with Protector Insurance, 7th Floor, 3 Hardman Street, Spinningfields, Manchester M3 3HF.


A schedule/certificate of insurance including your insured property address (extract of the schedule of properties held by London Borough of Havering) can be requested by email via

How to report a claim (as included in the summary of cover)

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. 

Make a claim

Further detail on how to make a property claim or notify a property owner’s liability claim can be found in the how to make a claim document.

Expired policy with Zurich Municipal – How to claim

If you need to make a legacy claim against the policy which expired at 12noon on 31 March 2023, the insurers can be contacted by phone on 0800 026 1841 quoting policy number 10/006460/05500084.

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