Services

Contents insurance

Through buildings insurance, we cover the structure of your home but that cover doesn’t include what’s inside, such as your furniture and personal belongings.

Replacing the contents of your home could prove to be very expensive. By purchasing  Contents Insurance, this means your personal belongings are insured against events including:

• Fire
• Theft
• Flooding/escape of water
• Accidental damage (at an additional cost)

We work with Aviva, one of the largest insurers in the UK, to offer home contents insurance that can be paid in monthly/four weekly or annual instalments.

Unlike some insurance policies, there is no excess so you won’t have to pay anything in the event of a claim.

For more information and to apply on-line please click here, or you can contact us on 0800 561 6666.  Please click here to review important information about the cover, including premiums. To review a summary of the cover, click here.

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Acceptance restrictions may apply for conviction and claims experience.

The policy is underwritten by Aviva Insurance Limited who are authorised and regulated by the Financial Conduct Authority. Aviva Insurance Limited, Registered in Scotland Number 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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Make a claim

Boiler and central heating cover

As your factor we’re responsible for insuring the building you live in, but we're not responsible for insuring your boiler or central heating system.

We offer boiler and central heating cover in partnership with Saltire. (This isn't available for customers in Dumfries and Galloway.) You don't have to take this cover through our partners. You may decide to shop around for your own cover.

We offer a fantastic deal for gas boiler and central heating cover for only £14.59 per month.

The cover includes:

• unlimited call outs
• repairs to boiler controls for central heating
• replacement boiler parts
• an annual service
• all parts and labour.

You can add plumbing, drains and electrical wiring to this cover for £20.99 a month. There's also a basic 'service only' cover for only £7.99 a month. Any repairs are charged on top of that cost.

• Get in touch
• Call 0800 561 6666
• You can also contact Saltire on 0330 202 0444.

Building insurance

Homeowners have a statutory duty to insure against prescribed risks such as fire or flood under the Tenements (Scotland) Act 2004 and the Tenements (Scotland) Act 2004 (prescribed Risks) Order 2007.

In most cases your Title Deeds will require your property factor to arrange buildings insurance for all the properties in your block, including the common parts. This is designed to protect everyone’s interests and means your block is always fully covered in the event of an insured act such as fire or storm damage.

Wheatley Solutions Limited, also part of Wheatley Group, arranges the building insurance contract on our behalf. They get competitive quotes from insurers every three years. Despite the extremely challenging insurance market, with several insurers no longer providing this type of cover, as well as the changes in insurance regulations and the increasing costs and claims values, Wheatley Solutions has still managed to secure a competitive insurance cover for our customers.

From 1 April 2024, your buildings insurance is provided by Aviva Insurance Limited. Aviva is one of the largest insurers in the UK, with nearly 19 million customers. Aviva handles all claims directly and have UK-based claims handlers who manage each claim from start to finish. You can  read the policy booklet here.

Your insurer: Aviva
Your policy number: PM519292CHC

To make a claim, call Aviva on 0800 015 1498. The claims line is available 24 hours a day, 365 days a year, providing you with emergency assistance whenever it is needed.

• Get in touch
• Call us on 0800 561 6666.

Common repairs

There are parts of the building which are the joint responsibility of all homeowners and these are usually referred to as the shared parts of the property.

We can organise all required common repairs for you and your neighbours. We'll divide any bills between you and your neighbours in line with the Title Deeds.

If a repair is going to be above the set threshold for your home, we'll work with you to obtain majority consent.

The quickest way to tell us about a repair is with a My Lowther online services account.

• Login to My Lowther
• Sign up for My Lowther
• Call us on 0800 561 6666.

24/7 service

We're here for you 24 hours a day, seven days a week, 365 days a year.

No matter the time of day, there are different ways you can get in touch with us to report repairs, pay bills or answer any factoring questions about your home.

The quickest way to get in touch is with a My Lowther online services account.

• Login to My Lowther
• Sign up for My Lowther
• Call us on 0800 561 6666.

Stairs and close cleaning

If your block opts-in to this service you will receive a weekly clean consisting of brushing and mopping of close areas and front entrance steps. Our teams will:

• brush and mop landing and staircases
• clean glass entrance doors and panels inside and out
• clean all handrails, bannisters, window sills and light fittings
• brush and mop external front entrance path and stairs
• clean accessible internal windows
• remove graffiti.

If the majority of residents in your block are interested in this service, each owner should complete an opt in form, we can post out copies of the forms on request.

Get in touch

Call us on 0800 561 6666.

Backcourt maintenance

Our NETs provide an excellent backcourt maintenance service. The NETs will:

• brush and tidy bin areas
• de-litter grass areas at backcourt
• mow grass areas fortnightly during the summer months
• strim grass edges fortnightly during the summer months
• prune shrub beds and hedges as necessary
• brush down hard-standing areas in backcourt
• scrape weeds from pathways
• apply weedkiller to hard-standing areas as required
• clear fallen leaves and dispose of as required in winter
• remove graffiti.

If the majority of residents in your block are interested in this service, each owner should complete an opt-in form, we can post out copies of the forms on request.

• Get in touch

Land maintenance

We can keep it looking green and clean all year round at a competitive price.

We can also provide a land maintenance service to developments with semi-detached, detached and terraced houses.

This makes sure the land in common ownership in a development is maintained to a good standard.

If the majority of residents in your block are interested in this service, each owner should complete an opt-in form, we can post out copies of the forms on request.

Get in touch

Major improvement work

This could include new roof and render, insulation, upgrade to door entry controls or stair and close refurbishments.

As the representative of all owners in a block we can organise proprietors’ meetings so potential major improvement works can be discussed and voted on. We will organise estimates for works, and project manage on behalf of you and your neighbours once payment has been received from everyone.

Where one of Wheatley Group’s landlords has an interest in your property, they may want to carry out major improvement work in line with their obligations as social or private landlords to protect housing assets and provide high quality homes for their tenants. If this is the case, we or the landlord will be in touch to let you know what the works are likely to be and estimated costs. We will then organise a proprietors’ meeting to consult with you about the proposed works. Where the landlord does not have a majority in a block and a vote is required we organise that in line with your title deeds.

If you want to discuss potential projects with us please contact us.

We charge a project management fee for these projects, except where they are led by a Wheatley Group landlord.

Home Comforts

We take unwanted pieces of furniture, clean them and make them as good as new. We’ll then pass them to tenants of Wheatley Group who need it most.

We are looking for:

• living room furniture: sofas, suites and coffee tables
• bedroom furniture: bed bases, wardrobes, chests of drawers and bedside cabinets
• kitchen appliances: cookers, washing machines, fridge freezers and microwaves
• dining tables and chairs
• televisions and television stands or units.

The quickest way to arrange a free pick up for any unwanted furniture is with a My Lowther online account. You can also contact us using our online form.