Claiming compensation against L&Q
You may claim compensation against L&Q for personal injury or damage to personal property where you can demonstrate that L&Q are legally at fault.
The L&Q Insurance Team are responsible for processing all claims against London & Quadrant Housing Group and all its associated subsidiaries.
Please bear in mind that compensation is not automatically guaranteed. If L&Q are able to provide evidence of carrying out their legal duties, you will not be entitled to compensation. Therefore, if your accident has happened and there has been a system of regular inspection and prompt repair, then your claim will be rejected. As a result of legislation, L&Q must thoroughly investigate every claim to establish whether or not we are legally liable to the allegation made.
You can expect the following responses during the pre-action protocol period once you have submitted your claim.
- Acknowledgement of your letter
We aim to acknowledge your letter within five working days
- Investigation period to make a decision on
Following the date of the acknowledgement letter, we aim to make a decision on liability within 40 working days
Unfortunately, L&Q can not influence the timescale of responses from other parties. To thoroughly investigate your claim, the insurance team must check the following:
1. Inspection and repair records
2. Other records (eg previous complaints)
3. Whether or not a contractor or any other party was involved
These investigations can take some time and your patience is appreciated.
Decision on Liability
Once your claim has been thoroughly investigated, a decision is taken whether to offer compensation, reject your claim or refer it to another party e.g. a contractor.
From investigations, it may be established that another party is responsible for your claim. Such bodies or persons are in law responsible for claims arising from their works. If L&Q is satisfied that a third party is responsible, the L&Q Insurance Team will notify you of this and refer your claim to the responsible party. This party will then be responsible for dealing with your claim and not L&Q.
Internal Complaints Procedure
Please note that if your claim is declined and you remain dissatisfied with the outcome then you should seek legal advice on the matter. (this can not be dealt with as a complaint issue).
If, during or after the processing of a claim, you wish to complain about any aspect of L&Q Insurance Team's service or treatment of your claim, you submit full details using our complaint form.
Your complaint will be investigated and a reply will be sent to you within two weeks. However, complaints about the decision made on the claim will not be accepted, since the proper and appropriate method to challenge a legal decision of L&Q and their insurer is through the legal process by issuing court proceedings through your solicitor.
As part of our fraud prevention process we will complete a number of enquiries to check the details you provide us with. Any person who knowingly assists, abets, solicits or conspires with another to make a false report in relation to loss, damage or injury of any kind commits a dishonest act, which is a crime. L&Q is duty bound to inform you that under the Fraud Act 2006 (and other legislation) any claim that is found to be false in nature or involves the deliberate and dishonest withholding or misinterpretation of material information to gain financial advantage will be reported to the police and/or privately prosecuted by L&Q or its insurers.
It is L&Q's duty to refer all suspected fraudulent claims to the Police for further investigation and, if appropriate, prosecution.
Third Party Solicitors
If you are a third party solicitor, please note that London & Quadrant Housing Trust are registered on Ministry of Justice Portal for low value personal injury (employers' and public liability) claims. For your reference, our details are below:
- Name: London & Quadrant Housing Trust
- Organisation ID: G00438
For any further queries please contact us.