Service Families Accommodation.Building Insurance

Discussion in 'Army Pay, Claims & JPA' started by roych, Sep 8, 2011.

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  1. Hello All,
    Not sure if this is in the right place,so if it needs to be moved please inform me as to where.

    Some may not be aware but there has been a recent change of status of Insurance for Service Families Accommodation.
    Occupants are now advised to arrange Building coverage up to £20,000.

    If you occupy Service Families Accommodation you will have signed a Service Licence to Occupy document due to this you are not classed as a tenant and the MOD state the minimum requirement form the 1st August 2011 is set at £20,000.

    As the JSP 464 Tri service regulations state the agreements are Licence to Occupy, this means that standard home Insurance policies do not cover potential liability

    The Services Insurance and Investment panel have provided a webpage detailing insurance companies that can offer and organise policies to fit the requirements.

    The webpage can be found at or the home page
  2. Has a DIN been published to inform SFA occupants of the change?

    Buildings coverage only a requirement if you own the bricks and mortar.
  3. Im not sure at the moment but i will be asking our Welfare officer first thing to find out more
  4. Why not phone the HIC and find out?

  5. Is this for bricks and mortar cover?
  6. This is what it says. "if you occupy sfa or SSfa you will have signed. An agreement when u moved into the property called a Service License to Occupy Service. Family Accommodation known as license to occupy. Due to this you are not classed as a tenant. Within the license there is a clause that states that you are liable for damage up to at least the sum advised by the MOD which from 1 Aug 11 is set at 20,000pounds. Standard home insurance policies do not cover your liability"

    So we need to get cover for bricks and mortar.

    Check the following link for further details
  7. How many Insurance companies will provide £20,000 bricks and mortar cover for a home you

    a) Do not own
    b) Have no valuation for
    c) have no condition report for?

    Any that do will ramp up the costs as well.
  8. So we need to get cover for bricks and mortar.

    Check the following link for further details
  9. AFF aren't aware of the need for buildings insurance, the licence agreement recommends contents and liability insurance.
  10. I was not aware of any requirement to insure bricks and mortar either. and the link supplied by the OP does not actually say bricks and mortar (aka buildings cover) but the wording on that page is either genuinely confusing or there really is a requirement to cover the first 20K of damage to the "landlord's" property. Unless someone beats me to it (which you are very welcome to do!), I will take a look later at the JSP (464?) and the licence to occupy.
  11. OK, I have had a quick look at it. The Service Licence to Occupy granted by DE OPS HOUSING states that:

    7.1 To cover Your legal liabilities, You are strongly advised to arrange insurance for:
    7.1.1 Your liability to Us up to at least the sum advised currently by the MOD.
    7.1.2 Your personal property and that of any spouse/civil partner or child; and
    7.1.3 Your liability to third parties in respect of injury to them and damage to their property.
    7.2 Although We strongly advise You to obtain insurance to cover Your liability to Us for the sum advised currently by the MOD. We may bring claims against You whether or not you are covered by insurance.

    The insurance required does not include bricks-and-mortar buildings cover in the usual sense, but could include claims against the service occupier for damage caused to the building as a result of the occupier's actions or neglect.

    About the list of insurers approved for issuing this type of specialist cover, and about the required insurance having been increased to 20K, one would expect some kind of official notification rather than it being left to a commercial website. There should be a recent DIN or something - Can anyone quote the reference?

    I expect that this is taken into account, at least notionally, in the SFA charges recommended annually by the AFPRB.
  12. Many thanks hackle,i'm finding this rather confusing due to we dont ownt the property that we live in just like many thousands of HM forces.I will look forward to your answer if you can manage to find one out :)
  13. Thank you hackle i will be asking our welfare officer about the above on Monday morning
  14. Surely a licence to occupy is akin to the legal agreement you would sign at a letting agency upon occupying a civilian rental property.

    A civilian landlord's responsibilities are set in law, that landlord cant suddenly absolve themselves of that responsibility.

    It surely goes that DE (or whoever controls housing now) are also bound by regulations. Regulations they cannot absolve themselves of.

    I go for contents insurance and always inform I'm in service accommodation, there's never been a problem.
  15. I've got contents & liability cover with Direct Line, never had any bother in 20yrs!