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APPENDIX 3: METHODOLOGIES USED BY PREVIOUS STUDIES INTO HOME CONTENTS INSURANCE
Paying for peace of mind: Access to home contents insurance for low-income households (1998)26
This study was carried out by the Policy Studies Institute and Institute for Public Policy Research "to improve understanding of the uninsured population, explore the problems low-income households experience in obtaining insurance, and identify potential solutions."
In-depth interviews were carried out with 29 low-income households without home contents insurance in two areas - Leicester and Newcastle - to determine their reasons for being uninsured. These interviews informed the design of a national household survey carried out in 1998.
Ten case studies of insurance companies and brokers were carried out to determine their perceptions of the needs of low-income households and the ways in which they could be offered more appropriate and affordable cover.
Finally, postal surveys of local authorities and Housing Associations were conducted to determine the nature and extent of insurance provision and the potential for growth.
Widening the safety net: Learning the lessons of insurance with-rent schemes (2005)27
The report was based on a Demos research project funded by Royal Sun Alliance and in partnership with SAFE (Services Against Financial Exclusion), part of Toynbee Hall. The research consisted of three strands:
- a literature review of existing policy and best practice
- focus groups with people experiencing financial exclusion. These were drawn from SAFE, part of Toynbee Hall
- In-depth interviews with local authorities and Housing Associations that run with-rent insurance schemes.
The research focused on three questions:
- Who lacks insurance?
- Why do they lack insurance?
- What can be done to improve the situation?
Identification of barriers to tenants' take-up of low cost, high quality household contents insurance promoted by their landlord (2006)28
This study was conducted by the Cullen Centre for Risk and Governance on behalf of SFHA. It was supported by SFHA Diamond Insurance Scheme broker and administrator Jardine Lloyd Thomson.
The primary research for this study consisted of a postal survey sent to the housing manager in 200 Scottish Housing Associations. Fifty two managers responded - a response rate of 26%
In addition the research included a focus group of tenants from Glasgow Housing Association ( GHA) including tenants who had no insurance, tenants who had insurance purchased through the GHA and tenants who had insurance, but no through the GHA.
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