Building Insurance
West Dunbartonshire council operates a block building insurance scheme for owners of ex Council houses where it is a condition of their sale.
The block policy has been through the tendering process and from the 1 April 2022* the policy will be held by Protector Insurance. If you need to make a claim Protector Insurance can be contacted by any of the following methods:
Telephone: 0161 274 9077
Email: claims@protectorinsurance.co.uk
Website: www.protectorinsurance.co.uk
*please note that if you claim relates to damage which occurred prior to 1 April 2022, your claim will still be handled by Ocaso Insurance and you can make the claim direct to Ocaso claim handlers by telephoning 0344 856 2032.
Ceasing of Council's Block Building Insurance Scheme
At the West Dunbartonshire Council meeting on 29 October 2025, a report on the Council's Block Building Insurance Scheme was considered.
At this meeting the Council agreed to cease the scheme from 31 March 2026.
This means that owners will need to make their own arrangements for buildings insurance cover to commence from 1 April 2026.
It is important to emphasise that buildings insurance provides financial protection against any damage to the structure of your home, and having appropriate cover in place may also be a condition of your mortgage agreement. Your mortgage provider will be able to advise you on this.
While the Council is unable to provide information on alternative insurance providers, owners are encouraged to research the available options in advance of the current scheme ending next year to ensure suitable cover in place for your home.
Other property payments, including factor fees, are unaffected by the cessation of the insurance scheme. If you currently pay a factor fee, you should continue to do so.
If you are supported by a family member or friend to help you make financial arrangements, please share this information with them. Furthermore, there are groups who are available to offer support and advice such as Citizen’s Advice Bureau and Age Concern.
If you have opted out of the block buildings insurance, no action is required.
Should you have any questions, you can contact the Sold Property Section by email at soldproperty@west-dunbarton.gov.uk or by telephone on 01389 738222.
For more information:
Any questions
You can also contact the Sold Property Section with any questions.
Payment Options
Pay online
You can pay your building insurance online quickly and simply using the Council's website.
Please ensure that you have your invoice number (this can be found on your invoice), a valid debit or credit card and if you have an email account your email address to allow us to send your receipt.
Payment by telephone
Payments can be made using our automated payment line to pay by debit or credit card.
Payment by Standing Order
Monthly payments by standing order can be arranged by telephoning the Corporate Debt Team on 0800 337 703.