Hello sorry for the delay in replying, wrong forum
Yes demanded and collected by council but tendered out to private insurance company.
Found this quotation on councils website. "Your contract is with the company and we merely process collections of premiums on the insurers behalf."
As its an ex council house its in the deeds that the occupier has to pay them nearly £200 as part of a block insurance policy for as long as I have the property. (due to 1 remaining council tennant)
Also this policy applies to anyone else that buys or inherits the house. Almost a lifetime contract paying the council forever.
This policy is re-tendered every 5 years or so and I have no control over the policy or the price charged, which is annoying as i can get insurance online for around the £100 mark.
Didn't pay last years and now being threatened by council to transfer debt to walker love for collection.
This website explains it better than I can.
P.S. don't know if I am being thick but is the spokeswoman in the last paragraph
saying its expensive because the council runs this scheme and passes their costs to us?
So why do it then?