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Read more about the summary of cover provided by NIG Insurance.
The full terms and conditions that apply to your policy can be found in the policy document which is available on request.
Find out more about the insurance via ng Property.
Buildings Insurance
All homeowners are legally bound by their Deed of Conditions to ensure that they have an up to date buildings insurance policy.
ng Property (Scotland) Limited has established a block policy for buildings insurance and subsequently invoices the annual insurance premium on a quarterly basis. A copy of the policy schedule is available upon request.
Where the Title Deeds clearly stipulate, ng Property (Scotland) Limited will arrange the common block insurance policy in compliance with the Title Deeds, applications to opt out of the block policy will not be granted.
Where the Title Deeds are unclear, in order to protect the interests of all homeowners, ng Property (Scotland) Limited will again arrange the common block insurance policy.
Opting out of the block policy will only be considered where:
- The Title Deeds do not obligate the Factor to provide this service
- The Homeowner has submitted to the factor details of appropriate alternative insurance cover which explicitly states that all common parts are covered. These details must be renewed and submitted on an annual basis
- Where Homeowners fail to submit these on an annual basis, or where the policy does not provide the appropriate cover for the common parts, we will reinstate the common block policy and appropriate charges as a matter of course
Buildings Insurance - Charges and Excesses
The Building Insurance charge for 2025/2026 will be £323.72 per annum or £82.93 per quarter.
Please remember if you are an owner who doesn’t have building insurance from us you are required to submit an updated copy of your policy each and every year on renewal.
If you pay via Direct Debit we will automatically amend your payments. If you pay via Standing Order, please adjust accordingly.
Need to make a claim?
If you are part of our block building insurance and need to make a claim, please contact Howden on 0131 553 2293 or email claims.scotland@howdeninsurance.co.uk
Policy number: CP000084/X5000009
If you do not have ngps building insurance, please remember to submit a copy of your insurance documents to the office.
The policy has standard excesses as below:
- £350 each and every claim for residential owners
- £500 each and every claim for escape of water
- £1000 each and every claim for subsidence
Contents Insurance
The buildings insurance described above does not cover the personal contents of your home.
