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Footnotes
1. The Scottish Executive (2003) A Partnership for a Better Scotland
2. The Scottish Executive (2003) A Partnership for a Better Scotland
3. The Scottish Executive Development Department (2005) A Survey of Home Contents Insurance Schemes in the Social Rented Sector 2004-2005 (unpublished report produced by the Scottish Executive Development Department Private Sector and Affordable Housing Policy Division)
4. (The Scottish Executive)
5. Greg Campbell Management Consultancy and Gibbs Laidler Ltd (2001) Insurance for all: a good practice guide (The Housing Corporation)
6. Demos and SAFE at Toynbee Hall (2005) Widening the safety net: Learning the lessons of insurance with-rent schemes (Demos)
7. Whyley C, McCormick J and Kempson E (1998) Paying for peace of mind: Access to home contents insurance for low-income households (Policy Studies Institute)
8. Dr Hood J, Dr Stein W and McCann C (2006) Identification of barriers to tenants' take-up of low cost, high quality household contents insurance promoted by their landlord (unpublished report produced for the Scottish Federation of Housing Associations)
9. The Scottish Executive Development Department (2005) A Survey of Home Contents Insurance Schemes in the Social Rented Sector (unpublished report produced by the Scottish Executive Development Department Private Sector and Affordable Housing Policy Division)
10. The Scottish Executive (2003)
11. The Scottish Executive Development Department (2005) (p. 8 and 9)
12. Stock transfer organisations including Glasgow Housing Association and Scottish Borders Housing Association have since taken on the home contents insurance schemes operated by the respective local authorities
13. Around 5% of SFHA members do not operate the Diamond Scheme, but some of these and some of the Housing Associations that are not members of SFHA operate their own scheme
14. As at December 2005 there were 363,000 local authority and 252,000 Housing Association tenants in Scotland (Scottish Executive Statistical Bulletin Housing Series; February 2007)
15. TNS System Three Social & Ipsos MORI (2006)
16. Glasgow Housing Association has been excluded from the total of SFHA members' tenants since it does not operate the Diamond Insurance scheme as it has taken on the scheme previously operated by Glasgow City Council.
17. Accounts Commission (2006) Housing Performance Indicators 2005/2006
18. Hanover (Scotland)'s insurance broker tendered all the association's insurance cover in early 2007 and achieved significant reductions on premium payments. The lower cost for home contents insurance may be passed on to tenants by way of improvements in cover rather than a reduction in the £45 per year premium payment.
19. Whyley C, McCormick J and Kempson E (1998) Paying for peace of mind: Access to home contents insurance for low-income households (Policy Studies Institute)
20. Demos and SAFE at Toynbee Hall (2005) Widening the safety net: Learning the lessons of insurance with-rent schemes (Demos)
21. Dr Hood J, Dr Stein W and McCann C (2006) Identification of barriers to tenants' take-up of low cost, high quality household contents insurance promoted by their landlord (Unpublished report for the Scottish Federation of Housing Associations
22. Demos and SAFE at Toynbee Hall (2005) Widening the safety net: Learning the lessons of insurance with-rent schemes (Demos)
23. Dr Hood J, Dr Stein W and McCann C (2006) Identification of barriers to tenants' take-up of low cost, high quality household contents insurance promoted by their landlord (Unpublished report for the Scottish Federation of Housing Associations)
24. Reports by an insurance broker in stakeholder interview for this study
25. Simple Insurance Making Peoples' Lives Easier
26. Whyley C, McCormick J and Kempson E (1998) Paying for peace of mind: Access to home contents insurance for low-income households (Policy Studies Institute)
27. Demos and SAFE at Toynbee Hall (2005) Widening the safety net: Learning the lessons of insurance with-rent schemes (Demos)
28. Dr Hood J, Dr Stein W and McCann C (2006) Identification of barriers to tenants' take-up of low cost, high quality household contents insurance promoted by their landlord (Unpublished report for the Scottish Federation of Housing Associations
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