Official UK procurement notice
Home Contents Insurance 2027 - 2032
Authority: North Lanarkshire Council (Local council)
The Home Contents Insurance scheme in operation through the Housing Service was introduced to give our tenants access to Home Contents Insurance at rates that individually they would not be able to secure. The HCI scheme is available solely for North Lanarkshire Council (NLC) tenants who elect to participate. The Insurance policy offered should be a basic pay as you go policy and must provide an option for tenants to select for ‘accidental damage’ cover. The Insurance policy must provide a ‘New for Old’ cover agreement.
What is being bought
Published requirement descriptionThe Home Contents Insurance scheme in operation through the Housing Service was introduced to give our tenants access to Home Contents Insurance at rates that individually they would not be able to secure. The HCI scheme is available solely for North Lanarkshire Council (NLC) tenants who elect to participate. It is designed to offer a basic pay as you go Home Contents Insurance policy with an option for additional accidental damage cover.
Premium payments charged by the insurance providers in this scheme are based on factors such as:
- The characteristics of the area
- Size of stock
- Overall claims experience in the area
- The market at the time that the scheme was tendered.
As 73%% of our tenants are in receipt of housing benefits or other forms of support for their housing costs, this contract makes the provision of Home Contents insurance more accessible to tenants. Currently circa 5000 tenants subscribe to the scheme.
CPV: Insurance services
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The lotProcurement structure
single lot · no lot value publishedLot #1The Insurance policy offered should be a basic pay as you go policy and must provide…Renewal
The Insurance policy offered should be a basic pay as you go policy and must provide an option for tenants to select for ‘accidental damage’ cover.
The Insurance policy must provide a ‘New for Old’ cover agreement.
Insurance cover is to be offered in blocks of 1,000 GBP, with minimum sums insured to be at least, or better than the following:
(a) 6,000 GBP for those living within one of our retirement housing complexes
(b) 8,000 GBP for any tenants aged 55 years of age or over; and
(c) 9,000 GBP for all other tenants.
The greatest sum to be insured should be at least 50,000 GBP but tenderers should indicate if they would agree a higher maximum sum insured.
There should be no excess payable for any claims made by tenants with either the Basic policy cover, or the Basic and additional ‘Accidental Damage’ cover. Additional information: Economic operators may be excluded from this competition if they are in any of the situations referred to in regulation 58 of the Public Contracts (Scotland) Regulations 2015.
What it takes to wini
Evaluation split and conditions of participation as published; the tender pack may add morei
Published award criteria (2)
- Quality: 40
- Price: 60
No conditions of participation were published on the notice; check the tender documents.
- Price carries 60 of 100 points: a 10% discount moves about 6 points. This one is won on the number: sharpen the price before polishing the prose.
- Turnover usually expected at this size: about £4,400,000 (twice the annual value).
Price arithmetic assumes straight proportional scoring; the tender pack may use another formula. Turnover is an indicative market norm (≈2× annual value), not a published condition.
Competition analysis · published record, not a forecast of who will bid
How North Lanarkshire Council buys Insurance services (CPV 6651), and who usually turns up
North Lanarkshire Council’s published record next to the market for the same work. Frameworks and DPS are left out: they draw different bid counts. Whole-market view: Insurance services (CPV 6651) →
How the contest usually goes
Winner shares use published awards; bid and price charts use contested lots.
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The counts under this question show how many awards have a known supplier size.
Small firms have won here. Neither number says whether you qualify; it describes who has been winning.
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Local means the winner is registered in the region where that award was delivered. The market figure counts awards delivered in Scotland.
Most of this buyer’s recorded winners were registered in the region where that award was delivered.
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Half of these awards have an award date within 64 days of the bid deadline.
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Both shares are minimums: some awards have no bid count.
Missing bid counts may hide more single-bid awards. This share is a minimum.
How many bids did past lots attract?
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1 bid16% / 8%
2–333% / 63%
4–631% / 29%
7+20% / 0%
How did awards compare with estimates?
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Below estimate17% / 54%
Within ±2%83% / 15%
Above estimate0% / 31%
Assess each lot i
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Open a lot for its forecast, this buyer’s previous supplier and possible competitors, from published award history, not a bid list
Lot #1The Insurance policy offered should be a basic pay as you go policy and must provide…CPV 6651Published estimate£2.2m
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Each lot shows its own forecast based on its own category; forecasts for different lots of the same notice are not comparative.
1 bid9%
2–377%
4–613%
7+1%
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Based on 27 comparable awards. Each lot reflects its own category; forecasts for different lots of the same notice are not comparative.
Middle 50%£2.2m
Estimate£2.2m
Who has supplied this buyer on similar work? i
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| Supplier | This buyer’s earlier contract | Lot | Award value | Why listed |
|---|---|---|---|---|
| Thistle Insurance Services LimitedWorked for this buyer | Tenants Home Contents Insurance Scheme 2022-2027notice published Dec 2021 | — | — | Similar wording and category |
Who could compete for this lot? i
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| Supplier | Won in this category | Live contracts | Award vs estimate |
|---|---|---|---|
Marsh LtdLarge | £56m126 awards in 36m · last 2 months ago | 60 live · £45m i | 3% below n=45 |
| £48m33 awards in 36m · last 2 months ago | 10 live · £45m i | at estimate n=15 | |
Zurich MunicipalLarge | £19m63 awards in 36m · last 1 month ago | 28 live · £27m i | 4% below n=28 |
Aon LimitedLarge | £56m18 awards in 36m · last 3 months ago | 7 live · £894k i | at estimate n=7 |
| £6.7m62 awards in 36m · last 1 month ago | 61 live · £67m i | no comparable pairs |
About this data
- Estimates, labelled. The price range, possible competitors and earlier-work matches are our estimates from past awards, not published facts, win chances or price advice. The buyer’s own record and the wider market are shown apart, never mixed.
- Source. Official UK public procurement notices (Find a Tender and Contracts Finder), reused under the Open Government Licence v3.0, updated through the day and rebuilt nightly. Not every figure uses both feeds, and each one shows how many records it rests on: see the methodology. Spotted something wrong? Tell us.
Procedure terms & legal framework
From the official record · publisher note attached- Procedure method
- Open procedure
- Legal basis
- CELEX · 32014L0024 Public Contracts Regulations 2015 (Directive 2014/24/EU)
- Procurement category
- Services
- Notice status
- Open for tender
- Procurement threshold
- Unspecified in notice
- Regulatory regime
- Standard
- Commercial structure
- Stand-alone contract (no framework)
- Competition type
- Competitive procedure
- GPA / WTO covered
- Yes (GPA)
- Recurring procurement
- No (one-off requirement)
- First published
- 13 Nov 2026, 13:25 GMT
- Last source update
- 13 Nov 2026, 13:25 GMT
- Award evaluation window
- 14 Dec 2026 – …
- Authority reference
NLC-CPT-26-062- FTS notice number
2026/S 000-108017- Classification (CPV)
- Delivery area
- Official registry OCID
ocds-h6vhtk-07bbb3Find a Tender
- Performance terms
Further information is contained within the tender document suite and can be downloaded from the additional documentation area within the PCS-T portal.
Publisher note: Fully authorised by the Financial Conduct Authority Registered with Information Commissioners Office Member of Financial Services Compensation Scheme The buyer is using PCS-Tender to conduct this ITT exercise. The Project code is 33168. For more information see: http://www.publiccontractsscotland.gov.uk/info/InfoCentre.aspx?ID=2343 A sub-contract clause has been included in this contract. For more information see: http://www.publiccontractsscotland.gov.uk/info/InfoCentre.aspx?ID=2363 Community benefits are included in this requirement. For more information see: https://www.gov.scot/policies/public-sector-procurement/community-benefits-in-procurement/ A summary of the expected community benefits has been provided as follows: Bidders should refer to the requirements stated within PCS-Tender. (SC Ref:848207)
How to participate & submission route
Official notice Submit via Public Contracts Scotland- Requests to participate (first stage)
- —
- Tender submission deadline
- 14 Dec 2026, 12:00 GMT
- Clarification deadline
- —
- Submission channel
- {"electronicSubmission"}
- Accepted languages
- en
- Bid validity
- 180 days from the deadline
- Bids opened
- 14 Dec 2026, 12:00 GMT
Timeline
13 Nov 2026 → 14 Dec 2026 · 3 dates- Notice publishedjust passed13 Nov 2026, 13:25 GMT
- Today13 Nov 2026
- Submission deadlinein 30 days14 Dec 2026, 12:00 GMT
- Bids openedin 30 days14 Dec 2026, 12:00 GMT
Commercial outcome & contract awards
Nothing awarded yet- Awards (0)
- No award published
- Contracts (0)
- No contract published
- Bid statistics
- No aggregate bid statistics published
Contracting authority & participating public bodies
Dispute resolution & review bodies
- Scottish CourtsReview body
Official documents & specifications (2)
Official links; attachments are not copiedTender pack and attachments
- Technical selection criteria
- Economic and financial selection criteria