The Scottish Government

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Paolo Vestri, Hexagon Research and Consulting
ISBN 978 0 7559 6687 5 (Web only publication)
This document is also available in pdf format (420k)

CONTENTS

Executive Summary

1. Introduction

2. The provision of home contents insurance for tenants in Scotland
2.1 The level of take up of home contents insurance amongst social rented sector tenants in Scotland
2.2 Models of Insurance Provision for Social Rented Sector Tenants

3. Reasons underlying choices made about home contents insurance
3.1 Why do tenants not take out home contents insurance?
3.2 Why do tenants take out home contents insurance?
3.3 What works to increase take up of home contents insurance?

4. Recommendations

Appendix 1: Stakeholder interviewees

Appendix 2: GHA Home Contents Insurance Scheme

Appendix 3: Methodologies used by previous studies into home contents insurance

ACKNOWLEDGEMENTS

Hexagon Research and Consulting would like to thank Sinead Power and Catriona McKay of the Scottish Executive for advice and support provided at all stages of this project.

We would also like to thank the officials in East Lothian and West Dunbartonshire Councils, East Lothian, Faifley and Shettleston Housing Associations for their assistance in recruiting tenants to participate in the tenants' discussion groups; and, the representatives of the national and local organisations who gave up their time to be interviewed.

Finally, we would like thank the tenants who participated in the focus groups and small discussion groups sessions held in East Lothian, West Dunbartonshire and Glasgow. Their experiences, views and insights into the underlying reasons behind the choices people make about whether to take out home contents insurance are an extremely important part of this study.

The views expressed in this report are those of the researcher and
do not necessarily represent those of the Department or Scottish Ministers.

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