Highland Council To Reduce Insurance Payments To Save

14th February 2019

Highland councillor agreed to make saving in insurance premiums of £417,000 for 2019/20.

The Council's current external insurance contract comes to an end at the end of financial year 2018/19 and some savings are anticipated to be delivered through the reprocurement. The Council has, over recent years, changed its approach to insurance with only the largest risks covered by an external policy. The remaining risks are covered by self-insuring using the Council's own insurance fund which is sustained by charging an annual premium to Council Services.

This saving will be delivered primarily through reducing the premium charged to services for that self-insurance, with the premium only anticipated to cover the expected claims against the fund during the year.

The Insurance Fund will continue to charge a market rate for insurance to tenants of the Council's commercial property, the HRA and Common Good Funds, HighLife Highland and Eden Court. Increased self-insurance and policy changes in respect of Eden Court will deliver a small saving.

The Council's current external insurance contract comes to an end at the end of financial year 2018/19 and some savings are anticipated to be delivered through the reprocurement. The Council has, over recent years, changed its approach to insurance with only the largest risks covered by an external policy. The remaining risks are covered by self-insuring using the Council’s own insurance fund which is sustained by charging an annual premium to Council Services.

This saving will be delivered primarily through reducing the premium charged to services for that self-insurance, with the premium only anticipated to cover the expected claims against the fund during the year.

The Insurance Fund will continue to charge a market rate for insurance to tenants of the Council’s commercial property, the HRA and Common Good Funds, HighLife Highland and Eden Court. Increased self-insurance and policy changes in respect of Eden Court will deliver a small saving.

https://www.highland.gov.uk/meetings/meeting/4084/highland_council

 

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