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					        Equality Impact Assessment -– TENANTS HOME CONTENTS INSURANCE SCHEME

1.   Using information that you have gathered from           AGE
     service monitoring, surveys, consultation, and
     other sources such as anecdotal information fed         60% of the tenant population are over
     back by members of staff, in your opinion, could        70 years old. This category of tenants
     your service/policy/strategy/decision (including        does statistically have many conditions
     decisions to cut or change a service or policy)         that could potentially exclude them
     disadvantage, or have a potentially                     from benefiting from the THCIS
     disproportionately negative effect on, any of the       scheme. For example dementia
     following groups of people:                             problems could prevent them from
     People of different ages – including young and          understanding the benefits of the
     older people                                            scheme and the consequences of not
     People with a disability;                               having insurance. Eyesight problems
     People of different races/ethnicities/ nationalities;   could prevent them from being able to
     Men;                    Women;                          read the THCIS booklet. Although the
     People of different religions/beliefs;                  booklet is issued to every new tenant,
     People of different sexual orientations;                many elderly tenants will have been in
     People who are or have identified as transgender;       their residence for many years and may
     People who are married or in a civil partnership;       be unaware of the scheme. If tenants
     Women who are pregnant or on maternity leave or         are frail or disabled actually completing
     men whose partners are pregnant or on maternity         a form could be impossible for them.
     leave;                                                  7% of the tenant population are 30 and
     People living in areas of deprivation or who are        under. This may be the first home they
     financially disadvantaged.                              have resided at alone and may not fully
                                                             appreciate the need to have home
                                                             contents insurance cover in place.
                                                             45% of the tenant population class
                                                             themselves as disabled. Any disability
                                                             could be restrictive and deter or
                                                             prevent residents from engaging in the
                                                             scheme. It is important to ensure that
                                                             literature is available in other formats
                                                             where required, e.g. large print and
                                                             3% of tenants are Non-British. Whilst
                                                             this percentage is low it still
                                                             necessitates the need to ensure that
                                                             literature in other languages is
                                                             available as and when required.
                                                             76% of tenants follow Christianity, 21%
                                                             do not follow any and 3% follow other
                                                             religions, such as Buddhism, Islam,
                                                             Sikhism and Hinduism. Again, whilst
                                                             this is a small number it is important to
                                                             be mindful of the fact that Insurance is
                                                           against beliefs in some religions
                                                           FINANCIALLY DISADVANTAGED
                                                           Whilst there are no specific details on
                                                           the make-up financially of tenants, it is
                                                           generally accepted that a large majority
                                                           of tenants residing in Council
                                                           properties are quite disadvantaged with
                                                           a high proportion dependant on
                                                           benefits. 7% of tenants are 30 and
                                                           under where unemployment levels are
                                                           high. 17% of tenants are 31-50 who may
                                                           have larger numbers of dependant
                                                           children living with them and 60% of
                                                           tenants are 70 or over where financially
                                                           hardship can often hit the hardest. It is
                                                           important to be mindful of the scarcity
                                                           of income coming into these
                                                           households, however, many tenants
                                                           may not realise how cheap and cost
                                                           effective the scheme can be.
2.   What sources of information have you used to          Tenant Profiling Data obtained from
     come to this decision?                                WLBC’s Housing Service
                                                           Take up rates of the THCIS service –
                                                           approx 700 out of 6300 properties
3.   How have you tried to involve people/groups in        A THCIS application form is inserted
     developing your service/policy/strategy or in         into each new Tenancy pack and
     making your decision (including decisions to cut or   promoted again by Housing Officers
     change a service or policy)?                          during the first follow-up visit. There
                                                           has never been official consultation
                                                           with tenants as to what they would want
                                                           to see from an Insurance policy and
4.   Could your service/policy/strategy or decision        It could help by ensuring equal access
     (including decisions to cut or change a service or    to the benefits of the THCIS scheme
     policy) help or hamper our ability to meet our        and prevent needless insurance losses.
     duties under the Equality Act 2010? Duties are to:-
     Eliminate discrimination, harassment and
     Advance equality of opportunity (removing or
     minimising disadvantage, meeting the needs of
     Foster good relations between people who share a
     protected characteristic and those who do not
     share it.
5.   What actions will you take to address any issues      Time and resources allowing the
     raised in your answers above                          following will be explored:
                                                           Continue to assess and monitor the
                                                           Tenant profiling data gathered by the
                                                           Housing Service to ensure continued
                                                           understanding of the make-up of
                                                           customers being targeted.
Consult with Tenants as to what they
would want from a Contents Insurance
policy and Insurance service.
Distribute THCIS application forms at
Age, Disabled and Ethnic related
groups in the Borough.
Ensure forms and information are
available in large print, Braille and
different languages where required.
Tap into the new Service Improvement
Groups set up by the Housing Service
and encourage them to promote the
benefits of the scheme.
Attend a T&R forum to highlight the
scheme benefits, including value for
Highlight the benefits to the Housing
and Regeneration Portfolio Holder.
Highlight the benefits to Wardens in
Sheltered Housing schemes.
Continually assess the
affordability/VFM of the scheme.
Undertake a ‘ring-round’ of tenants to
promote the service and encourage
Devise a standard pre recorded
message about the insurance scheme
which tenants would hear when
reporting repairs

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