Official UK procurement notice
Provision of Insurance · UK public procurement notice
Authority: Northern Ireland Housing Executive (Central government)
Sectors: Financial and insurance services (66) Delivery: Northern Ireland (UKN0)
Published estimate£2,555,000envelope for 5 lots · £3,066,000 inc. VAT
Submissions closed 8 Dec 2025awarded 6 Mar 2026
Awarded to Intact Insurance, ZURICH INSURANCE COMPANY LTD5 awards
Contract term 1 yrends 31 Mar 2027 · extension options published · starts 1 Apr 2026
What is being bought5 lots · detail below
Published requirement descriptionThe Housing Executive requires a provision of protective insurance cover for a number of areas. Full details can be found within the attached tender documents. Please note the requirement does not include insurance broking services.
- How the procedure runs: Please see the Tender Documentation
CPV: Insurance services
Lots and requirements (5)Procurement structure
5 lots · all with a published value (£2,555,000 together) · a supplier may bid for at most 4 and win at most 4 of them · same evaluation weights on every lotLot #1Material DamageAwardedPublished value£340,000
Material Damage insurance cover as described in the Specification
Lot #2Employers' LiabilityAwardedPublished value£320,000
Employers' Liability insurance cover as described in the Specification
Lot #3Public LiabilityAwardedPublished value£560,000
Public Liability insurance cover as described in the Specification
Lot #4Motor FleetAwardedPublished value£220,000
Motor Fleet insurance cover as described in the Specification
Lot #5Homeowners Property OwnersAwardedPublished value£1,115,000
Homeowners Property Owners insurance cover as described in the Specification.
What it takes to wini
How this buyer will score bids.
The evaluation criteria and weights exactly as published on the notice, grouped by family (price, quality, social value and so on).
Evaluation split and conditions of participation as published; the tender pack may add morei
How this buyer will score bids.
The evaluation criteria and weights exactly as published on the notice, grouped by family (price, quality, social value and so on).
How bids were scored · same split on all 5 lots
Published sub-criteria (2)
- Cost: 90%
- Social Value: 10%
Published award criteria (2)
- Social Value
- Cost
Lot distribution rule: For this competition the maximum number of lots a supplier can bid for is 5, and the maximum number of lots a supplier can be awarded is also 5. However, due to the etendersni tender notice validation set up a lower number (4) had to be included to enable publishing the tender notice.
What this means for your bid
- Price carries 90 of 100 points: a 10% discount moves about 9 points. This one is won on the number: sharpen the price before polishing the prose.
Price arithmetic assumes straight proportional scoring; the tender pack may use another formula.
Procedure terms & legal framework
From the official record- Procedure method
- Competitive flexible procedure
- Legal basis
- UKPGA · 2023/54 Procurement Act 2023
- Procurement category
- Services
- Notice status
- Awarded
- Procurement threshold
- Above threshold (FTS publication)
- Regulatory regime
- Standard
- Commercial structure
- Stand-alone contract (no framework)
- Competition type
- Competitive procedure
- GPA / WTO covered
- Yes (GPA)
- Recurring procurement
- Unspecified in notice
- First published
- 13 Nov 2025, 13:22 GMT
- Last source update
- 19 Mar 2026, 23:56 GMT
- Award evaluation window
- Submission end – 2 Mar 2026
- Authority reference
P0809- FTS notice number
2025/S 000-073529- Latest notice
- Contract details notice (UK7)
- Classification (CPV)
- Delivery area
- Official registry OCID
ocds-h6vhtk-05e068Find a Tender
- How it runs
Please see the Tender Documentation
How it was run
Official noticeRun through: eTendersNI · Who buys & how to bid on eTendersNI
Access & registration note: Free Northern Ireland registration
- Submission deadline
- 8 Dec 2025, 15:00 GMT
- Clarification deadline
- 28 Nov 2025, 15:00 GMT
- Submission channel
- Official e-sourcing portal
- Electronic submission
- Allowed
- Accepted languages
- en
Detailed submission instructions & authority contactsFrom official release
Timeline
13 Nov 2025 → 1 Apr 2026 · 8 dates- Tender notice published336 days ago13 Nov 2025, 13:22 GMT
- Clarification questions by321 days ago28 Nov 2025, 15:00 GMT
- Submission deadline311 days ago8 Dec 2025, 15:00 GMT
- Award decision expected by227 days ago2 Mar 2026, 23:59 GMT
- Assessment summaries sent224 days ago6 Mar 2026
- Standstill ends211 days ago18 Mar 2026, 23:59 GMT
- Latest notice published210 days ago19 Mar 2026, 23:56 GMT
- Contract starts198 days ago1 Apr 2026, 00:00 BST
Notice history
7 events · 3 releases on Find a Tender · since 13 Nov 2025- Tender notice published13 Nov 2025, 13:22 GMTUK4
- Contract award notice published6 Mar 2026, 13:51 GMTUK6
- Status changed to complete6 Mar 2026, 13:51 GMT
- Procurement method changed6 Mar 2026, 13:51 GMT
- Contract details notice published19 Mar 2026, 23:56 GMTUK7
- Procurement method changed19 Mar 2026, 23:56 GMT
- Contract signature expected31 Mar 2026, 23:59 BSTscheduled
Commercial outcome & contract awards
Published awards, contracts and bid statistics, not a forecastAwards 5
Awarded value £5,953,2885 awards exc. VAT
Bids received 7
Contracts signed 5latest 19 Mar 2026
| Awarded to | Value | Date | Status |
|---|---|---|---|
| Lot 1 · Material Damage1 award | |||
| Intact Insurance1 Apr 2026 – 31 Mar 2027 · up to 31 Mar 2028Extensions: The Client has the option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). · Options: 2 year Long Term Agreement option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date. If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). | £726,220 | 6 Mar 2026 | Awarded |
| Lot 2 · Employers' Liability1 award | |||
| ZURICH INSURANCE COMPANY LTD +1 morejoint award1 Apr 2026 – 31 Mar 2027 | £367,147 | 6 Mar 2026 | Awarded |
| Lot 3 · Public Liability1 award | |||
| Intact Insurance1 Apr 2026 – 31 Mar 2027 · up to 31 Mar 2029Extensions: The Client has the option to extend the Contract for up to two 12 Month periods from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). If the Gross Loss Ratio in the period of insurance covering 01/04/2027-30/09/2028 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2027, the extension will be solely at the discretion of the Client and the annual rate specified for Year 3 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). · Options: 3 year Long Term Agreement option to extend the Contract for up to two 12 Month periods from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). If the Gross Loss Ratio in the period of insurance covering 01/04/2027-30/09/2028 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2027, the extension will be solely at the discretion of the Client and the annual rate specified for Year 3 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). | £2,235,090 | 6 Mar 2026 | Awarded |
| Lot 4 · Motor Fleet1 award | |||
| ZURICH INSURANCE COMPANY LTD +1 morejoint award1 Apr 2026 – 31 Mar 2027 | £284,591 | 6 Mar 2026 | Awarded |
| Lot 5 · Homeowners Property Owners1 award | |||
| Intact Insurance1 Apr 2026 – 31 Mar 2027 · up to 31 Mar 2028Extensions: The Client has the option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). · Options: 2 year Long Term Agreement option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date. If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). | £2,340,240 | 6 Mar 2026 | Awarded |
Contracts
Material Damage · Intact Insurance
- Signed
- 19 Mar 2026
- Value
- £726,220
- Period
- 1 Apr 2026 – 31 Mar 2027 · up to 31 Mar 2028 with extensions
- Status
- active
- Extensions
- The Client has the option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
- Options
- 2 year Long Term Agreement option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date. If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
No agreed KPIs: Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Employers' Liability · ZURICH INSURANCE COMPANY LTD +1 more
- Signed
- 19 Mar 2026
- Value
- £367,147
- Period
- 1 Apr 2026 – 31 Mar 2027
- Status
- active
No agreed KPIs: Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Public Liability · Intact Insurance
- Signed
- 19 Mar 2026
- Value
- £2,235,090
- Period
- 1 Apr 2026 – 31 Mar 2027 · up to 31 Mar 2029 with extensions
- Status
- active
- Extensions
- The Client has the option to extend the Contract for up to two 12 Month periods from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). If the Gross Loss Ratio in the period of insurance covering 01/04/2027-30/09/2028 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2027, the extension will be solely at the discretion of the Client and the annual rate specified for Year 3 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
- Options
- 3 year Long Term Agreement option to extend the Contract for up to two 12 Month periods from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). If the Gross Loss Ratio in the period of insurance covering 01/04/2027-30/09/2028 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2027, the extension will be solely at the discretion of the Client and the annual rate specified for Year 3 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
No agreed KPIs: Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Motor Fleet · ZURICH INSURANCE COMPANY LTD +1 more
- Signed
- 19 Mar 2026
- Value
- £284,591
- Period
- 1 Apr 2026 – 31 Mar 2027
- Status
- active
No agreed KPIs: Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Homeowners Property Owners · Intact Insurance
- Signed
- 19 Mar 2026
- Value
- £2,340,240
- Period
- 1 Apr 2026 – 31 Mar 2027 · up to 31 Mar 2028 with extensions
- Status
- active
- Extensions
- The Client has the option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
- Options
- 2 year Long Term Agreement option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date. If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
No agreed KPIs: Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Bid statistics published by the authority
| Lot | Bids | SME | VCSE | Valid bid range |
|---|---|---|---|---|
| 1 · Material Damage | 1final-stage tenders | 0 | 0 | — |
| 2 · Employers' Liability | 2final-stage tenders | 0 | 0 | — |
| 3 · Public Liability | 1final-stage tenders | 0 | 0 | — |
| 4 · Motor Fleet | 2final-stage tenders | 0 | 0 | — |
| 5 · Homeowners Property Owners | 1final-stage tenders | 0 | 0 | — |
Contracting authority & participating public bodies
Bidders & participating suppliers
3 commercial parties on the notice- Intact InsuranceAwarded supplier
- ZURICH INSURANCE COMPANY LTDAwarded supplier
- ZURICH INSURANCE COMPANY LTDAwarded supplier
Official documents & specifications (11)
Official links; attachments are not copiedNotices published for this procedure
- Contract details notice Contract details notice on Find a Tender
- Contract details notice Contract details notice on Find a Tender
- Contract details notice Contract details notice on Find a Tender
- Contract details notice Contract details notice on Find a Tender
- Contract details notice Contract details notice on Find a Tender
- Contract award notice Contract award notice on Find a Tender
- Contract award notice Contract award notice on Find a Tender
- Contract award notice Contract award notice on Find a Tender
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