De Wint Avenue, Lincoln LN6 7JA - Find a freedom of information request

1) I request exact information held by Lincolnshire County Council specific to insurance against pothole damage.

a) Current and precise details of the insurance company providing cover for claims against the council for damage caused to residents property ( in my case pot hole damage to my car).

b) Current and precise details of the level of cover provided by said insurer against damage caused to residents property including but not exclusively relating to the lowest level of compensation at which said insurer will pay.

c) Current and precise level of financial excess the council will accept before said insurer considers payment

d) Current and precise of financial premiums paid by the council to said insurance company by the council.

2) The name and contact details of the insurer.

3) Detailed inspection reports of De Wint Avenue , Lincoln between March 2024 and August 2024 relating to type of inspection ( ie walking or driving)

4) Details and dates of any claims between inspection reports reflecting all categories of road user.

1. a. Lincolnshire County Council’s (LCC) main liability Insurer is QBE, then Aspen Insurance then Chubb European.

b. LCC has £10 million cover with QBE, the £15 Million with Aspen and Chubb European at £25million.

c. LCC’s excess is £500,000 all claims under this amount are underwritten by LCC.

d. We are unable to disclose premium data as this is commercial sensitive for the Insurers.

2. LCC’s insurer is QBE but the costs are within its excess and handled inhouse at LCC.

LCC has delegated authority to handle claims under the excess.

3. Please see attached for your response. The 2 inspections at the top of the report (the others were Ad Hoc) were driven. Any defects that are raised require the inspector to get out of the vehicle and be on foot.

4. LCC has one claim on record between these dates.

Should you require the attachment mentioned above please contact customerinformationservice@lincolnshire.gov.uk with the below reference number and this can be provided.