Contract award notice
Results of the procurement procedure
Section I: Contracting
entity
I.1) Name and addresses
Kingdom Housing Association Limited
Saltire Centre, Pentland Court
Glenrothes
KY6 2DA
UK
Contact person: Andy Bygrave
Telephone: +44 1959562242
E-mail: andy.bygrave@gibbslaidler.co.uk
NUTS: UK
Internet address(es)
Main address: https://www.gibbslaidler.co.uk/
Address of the buyer profile: https://www.publiccontractsscotland.gov.uk/search/Search_AuthProfile.aspx?ID=AA30717
I.2) Joint procurement
The contract is awarded by a central purchasing body
I.4) Type of the contracting authority
Body governed by public law
I.5) Main activity
Housing and community amenities
Section II: Object
II.1) Scope of the procurement
II.1.1) Title
Insurance and Related Services 2026 for Kingdom Housing Association and Subsidaries
II.1.2) Main CPV code
66510000
II.1.3) Type of contract
Services
II.1.4) Short description
The Contract is for the provision of general insurance and related services, including
claims handling, loss control services and general
programme maintenance and advice as required by Kingdom Housing Association
commencing 1st April 2026. A full Summary of
Current Cover will be provided with the Invitation to Tender to selected bidders.
Bids are invited from suitably qualified insurance brokers
and direct providers for the entire scope of services. The procurement will follow the
two-stage Competitive with Negotiation Procedure with a pre-qualifying
stage based on completed SPDs and bidders will be selected on the basis of their
capability, capacity and experience to perform the contract.
II.1.6) Information about lots
This contract is divided into lots:
Yes
II.1.7) Total value of the procurement
Value excluding VAT:
978 917.68
GBP
II.2) Description
Lot No: 1
II.2.1) Title
Insurance for Property & related Business Interruption risks (possibly including Property Owners Liability) as required by Kingdom Housing Association
II.2.2) Additional CPV code(s)
66510000
66000000
66515200
66516000
66516500
66516400
II.2.3) Place of performance
NUTS code:
UKM82
II.2.4) Description of the procurement
The scope of the Contract includes the provision of insurance cover, brokerage
services (where applicable), professional advice, claims management and loss
control services for property, legal liabilities and other general insurances as
required by Kingdom Housing Association for a period of three years
commencing 01.04.2026, with the option to extend by up to a further two years
at Kingdom Housing Association's sole discretion. Bids are invited from
suitably qualified and experienced insurance brokers and direct insurers. The
Contract will follow the two-stage Competitive Procedure with Negotiation with
bidders being selected on the basis of the responses contained in the pre
qualifying SPD. Bidders will be expected have the capability, capacity, financial
and economic standing and experience to perform the contract. SPDs must be
completed in full with all relevant information supplied. The Contract will be
awarded on the basis of Most Economically Advantageous Tender, with specific
evaluation criteria detailed within the Invitation To Tender and contract
documents
II.2.5) Award criteria
Quality criterion: Quality
/ Weighting: 40
Price
/ Weighting:
60
II.2.11) Information about options
Options:
No
II.2.13) Information about European Union funds
The procurement is related to a project and/or programme financed by European Union funds:
No
II.2.14) Additional information
A Summary of Kingdom's current insurances will be made available along with the Invitation to Tender. Bidders are required to submit the appropriate SPD, completed in full in order to be considered for Stage 2 of
the procurement
Lot No: 3
II.2.1) Title
Insurance and related services associated with Terrorism and/or Political Violence (Non Pool-Re) as required by Kingdom Housing Association
II.2.2) Additional CPV code(s)
66518100
66515200
66510000
II.2.3) Place of performance
NUTS code:
UKM82
II.2.4) Description of the procurement
The scope of the Contract includes the provision of insurance cover, brokerage
services (where applicable), professional advice, claims management and loss
control services for terrorism insurance as
required by Kingdom Housing Association for a period of three years
commencing 01.04.2026, with the option to extend by up to a further two years
at Kingdom Housing Association's sole discretion. Bids are invited from
suitably qualified and experienced insurance brokers and direct insurers. The
Contract will follow the two-stage Competitive Procedure with Negotiation with
bidders being selected on the basis of the responses contained in the pre
qualifying SPD. Bidders will be expected have the capability, capacity, financial
and economic standing and experience to perform the contract. SPDs must be
completed in full with all relevant information supplied. The Contract will be
awarded on the basis of Most Economically Advantageous Tender, with specific
evaluation criteria detailed within the Invitation To Tender and contract documents
II.2.5) Award criteria
Quality criterion: Quality
/ Weighting: 40
Price
/ Weighting:
60
II.2.11) Information about options
Options:
No
II.2.13) Information about European Union funds
The procurement is related to a project and/or programme financed by European Union funds:
No
II.2.14) Additional information
A Summary of Kingdom's current insurances will be made available along
with the Invitation to Tender. Bidders are required to submit
the appropriate SPD, completed in full in order to be considered for Stage 2 of
the procurement
Lot No: 4
II.2.1) Title
Insurance and related services associated with Cyber Risk required by Kingdom Housing Association
II.2.2) Additional CPV code(s)
66518100
66516400
66516000
66515410
66515411
66510000
II.2.3) Place of performance
NUTS code:
UKM72
II.2.4) Description of the procurement
The scope of the Contract includes the provision of insurance cover, brokerage
services (where applicable), professional advice, claims management and loss
control services for property, legal liabilities and other general insurances as
required by Kingdom Housing Association for a period of three years
commencing 01.04.2026, with the option to extend by up to a further two years
at Kingdom Housing Association's sole discretion. Bids are invited from
suitably qualified and experienced insurance brokers and direct insurers. The
Contract will follow the two-stage Competitive Procedure with Negotiation with
bidders being selected on the basis of the responses contained in the pre
qualifying SPD. Bidders will be expected have the capability, capacity, financial
and economic standing and experience to perform the contract. SPDs must be
completed in full with all relevant information supplied. The Contract will be
awarded on the basis of Most Economically Advantageous Tender, with specific
evaluation criteria detailed within the Invitation To Tender and contract
documents
II.2.5) Award criteria
Quality criterion: Quality
/ Weighting: 40
Price
/ Weighting:
60
II.2.11) Information about options
Options:
No
II.2.13) Information about European Union funds
The procurement is related to a project and/or programme financed by European Union funds:
No
II.2.14) Additional information
A Summary of Kingdom's current insurances will be made available along with the Invitation to Tender. Bidders are required to submit the appropriate SPD, completed in full in order to be considered for Stage 2 of the procurement
Lot No: 5
II.2.1) Title
Insurance and related services associated with Professional Indemnity Risks as required by Kingdom Housing Association
II.2.2) Additional CPV code(s)
66518100
66516400
66516000
66515410
66515411
66510000
II.2.3) Place of performance
NUTS code:
UKM72
II.2.4) Description of the procurement
The scope of the Contract includes the provision of insurance cover, brokerage
services (where applicable), professional advice, claims management and loss
control services for property, legal liabilities and other general insurances as
required by Kingdom Housing Association for a period of three years
commencing 01.04.2026, with the option to extend by up to a further two years
at Kingdom Housing Association's sole discretion. Bids are invited from
suitably qualified and experienced insurance brokers and direct insurers. The
Contract will follow the two-stage Competitive Procedure with Negotiation with
bidders being selected on the basis of the responses contained in the pre
qualifying SPD. Bidders will be expected have the capability, capacity, financial
and economic standing and experience to perform the contract. SPDs must be
completed in full with all relevant information supplied. The Contract will be
awarded on the basis of Most Economically Advantageous Tender, with specific
evaluation criteria detailed within the Invitation To Tender and contract
documents
II.2.5) Award criteria
Quality criterion: Quality
/ Weighting: 40
Price
/ Weighting:
60
II.2.11) Information about options
Options:
No
II.2.13) Information about European Union funds
The procurement is related to a project and/or programme financed by European Union funds:
No
II.2.14) Additional information
A Summary of Kingdom's current insurances will be made available along with the Invitation to Tender. Bidders are required to submit the appropriate SPD, completed in full in order to be considered for Stage 2 of the procurement
Lot No: 6
II.2.1) Title
Insurance and related services associated with Directors and Officers Liability, and Entity as required by Kingdom Housing Association
II.2.2) Additional CPV code(s)
66518100
66516400
66516000
66515410
66515411
66510000
II.2.3) Place of performance
NUTS code:
UKM72
II.2.4) Description of the procurement
The scope of the Contract includes the provision of insurance cover, brokerage
services (where applicable), professional advice, claims management and loss
control services for property, legal liabilities and other general insurances as
required by Kingdom Housing Association for a period of three years
commencing 01.04.2026, with the option to extend by up to a further two years
at Kingdom Housing Association's sole discretion. Bids are invited from
suitably qualified and experienced insurance brokers and direct insurers. The
Contract will follow the two-stage Competitive Procedure with Negotiation with
bidders being selected on the basis of the responses contained in the pre
qualifying SPD. Bidders will be expected have the capability, capacity, financial
and economic standing and experience to perform the contract. SPDs must be
completed in full with all relevant information supplied. The Contract will be
awarded on the basis of Most Economically Advantageous Tender, with specific
evaluation criteria detailed within the Invitation To Tender and contract
documents
II.2.5) Award criteria
Quality criterion: Quality
/ Weighting: 40
Price
/ Weighting:
60
II.2.11) Information about options
Options:
No
II.2.13) Information about European Union funds
The procurement is related to a project and/or programme financed by European Union funds:
No
II.2.14) Additional information
A Summary of Kingdom's current insurances will be made available along with the Invitation to Tender. Bidders are required to submit the appropriate SPD, completed in full in order to be considered for Stage 2 of the procurement
Lot No: 7
II.2.1) Title
Insurance and related services associated with Crime Risks as required by Kingdom Housing Association
II.2.2) Additional CPV code(s)
66518100
66516400
66516000
66515410
66515411
66510000
II.2.3) Place of performance
NUTS code:
UKM72
II.2.4) Description of the procurement
The scope of the Contract includes the provision of insurance cover, brokerage
services (where applicable), professional advice, claims management and loss
control services for property, legal liabilities and other general insurances as
required by Kingdom Housing Association for a period of three years
commencing 01.04.2026, with the option to extend by up to a further two years
at Kingdom Housing Association's sole discretion. Bids are invited from
suitably qualified and experienced insurance brokers and direct insurers. The
Contract will follow the two-stage Competitive Procedure with Negotiation with
bidders being selected on the basis of the responses contained in the pre
qualifying SPD. Bidders will be expected have the capability, capacity, financial
and economic standing and experience to perform the contract. SPDs must be
completed in full with all relevant information supplied. The Contract will be
awarded on the basis of Most Economically Advantageous Tender, with specific
evaluation criteria detailed within the Invitation To Tender and contract
documents
II.2.5) Award criteria
Quality criterion: Quality
/ Weighting: 40
Price
/ Weighting:
60
II.2.11) Information about options
Options:
No
II.2.13) Information about European Union funds
The procurement is related to a project and/or programme financed by European Union funds:
No
II.2.14) Additional information
A Summary of Kingdom's current insurances will be made available along with the Invitation to Tender. Bidders are required to submit the appropriate SPD, completed in full in order to be considered for Stage 2 of the procurement
Lot No: 8
II.2.1) Title
Insurance and related services associated with Motor Fleet as required by Kingdom Housing Association
II.2.2) Additional CPV code(s)
66518100
66516400
66516000
66515410
66515411
66510000
II.2.3) Place of performance
NUTS code:
UKM72
II.2.4) Description of the procurement
The scope of the Contract includes the provision of insurance cover, brokerage
services (where applicable), professional advice, claims management and loss
control services for property, legal liabilities and other general insurances as
required by Kingdom Housing Association for a period of three years
commencing 01.04.2026, with the option to extend by up to a further two years
at Kingdom Housing Association's sole discretion. Bids are invited from
suitably qualified and experienced insurance brokers and direct insurers. The
Contract will follow the two-stage Competitive Procedure with Negotiation with
bidders being selected on the basis of the responses contained in the pre
qualifying SPD. Bidders will be expected have the capability, capacity, financial
and economic standing and experience to perform the contract. SPDs must be
completed in full with all relevant information supplied. The Contract will be
awarded on the basis of Most Economically Advantageous Tender, with specific
evaluation criteria detailed within the Invitation To Tender and contract
documents
II.2.5) Award criteria
Quality criterion: Quality
/ Weighting: 40
Price
/ Weighting:
60
II.2.11) Information about options
Options:
No
II.2.13) Information about European Union funds
The procurement is related to a project and/or programme financed by European Union funds:
No
II.2.14) Additional information
A Summary of Kingdom's current insurances will be made available along with the Invitation to Tender. Bidders are required to submit the appropriate SPD, completed in full in order to be considered for Stage 2 of the procurement
Lot No: 9
II.2.1) Title
Insurance and related services associated with Engineering as required by Kingdom Housing Association
II.2.2) Additional CPV code(s)
66518100
66516000
66516400
66515410
66515411
66510000
II.2.3) Place of performance
NUTS code:
UKM72
II.2.4) Description of the procurement
The scope of the Contract includes the provision of insurance cover, brokerage
services (where applicable), professional advice, claims management and loss
control services for property, legal liabilities and other general insurances as
required by Kingdom Housing Association for a period of three years
commencing 01.04.2026, with the option to extend by up to a further two years
at Kingdom Housing Association's sole discretion. Bids are invited from
suitably qualified and experienced insurance brokers and direct insurers. The
Contract will follow the two-stage Competitive Procedure with Negotiation with
bidders being selected on the basis of the responses contained in the pre
qualifying SPD. Bidders will be expected have the capability, capacity, financial
and economic standing and experience to perform the contract. SPDs must be
completed in full with all relevant information supplied. The Contract will be
awarded on the basis of Most Economically Advantageous Tender, with specific
evaluation criteria detailed within the Invitation To Tender and contract
documents
II.2.5) Award criteria
Quality criterion: Quality
/ Weighting: 40
Price
/ Weighting:
60
II.2.11) Information about options
Options:
No
II.2.13) Information about European Union funds
The procurement is related to a project and/or programme financed by European Union funds:
No
II.2.14) Additional information
A Summary of Kingdom's current insurances will be made available along with the Invitation to Tender. Bidders are required to submit the appropriate SPD, completed in full in order to be considered for Stage 2 of the procurement
Section IV: Procedure
IV.1) Description
IV.1.1) Type of procedure
Competitive procedure with negotiation
IV.1.8) Information about Government Procurement Agreement (GPA)
The procurement is covered by the Government Procurement Agreement:
Yes
IV.2) Administrative information
IV.2.1) Previous publication concerning this procedure
Notice number in the OJ S:
2025/S 000-055202
Section V: Award of contract
Lot No: 1
Title: Insurance for Property & related Business Interruption risks (possibly including Property Owners Liability) as required by Kingdom Housing Association
A contract/lot is awarded:
Yes
V.2 Award of contract
V.2.1) Date of conclusion of the contract
01/04/2026
V.2.2) Information about tenders
Number of tenders received: 3
Number of tenders received from SMEs: 0
Number of tenders received from tenderers from EU Member States: 0
Number of tenders received from tenderers from non-EU Member States: 0
Number of tenders received by electronic means: 3
The contract has been awarded to a group of economic operators:
No
V.2.3) Name and address of the contractor
Zurich Municipal
7th Floor, 319 St Vincents Plaza
Glasgow
G2 5LP
UK
Telephone: +44 7875888145
NUTS: UK
The contractor is an SME:
No
V.2.4) Information on value of the contract/lot (excluding VAT)
Total value of the contract/lot:
: 779 398.40
GBP
V.2.5) Information about subcontracting
Section V: Award of contract
Lot No: 3
Title: Insurance and related services associated with Terrorism and/or Political Violence (Non Pool-Re) as required by Kingdom Housing Association
A contract/lot is awarded:
Yes
V.2 Award of contract
V.2.1) Date of conclusion of the contract
01/04/2026
V.2.2) Information about tenders
Number of tenders received: 2
Number of tenders received from SMEs: 0
Number of tenders received from tenderers from EU Member States: 0
Number of tenders received from tenderers from non-EU Member States: 0
Number of tenders received by electronic means: 2
The contract has been awarded to a group of economic operators:
No
V.2.3) Name and address of the contractor
Jensten Group
www.jensteninsurance.co.uk, 191 high road
south woodford
e18 2qf
UK
Telephone: +44 7442331679
NUTS: UK
The contractor is an SME:
No
V.2.4) Information on value of the contract/lot (excluding VAT)
Total value of the contract/lot:
: 12 873.62
GBP
V.2.5) Information about subcontracting
Section V: Award of contract
Lot No: 4
Title: Insurance and related services associated with Cyber Risk required by Kingdom Housing Association
A contract/lot is awarded:
Yes
V.2 Award of contract
V.2.1) Date of conclusion of the contract
01/04/2026
V.2.2) Information about tenders
Number of tenders received: 4
Number of tenders received from SMEs: 0
Number of tenders received from tenderers from EU Member States: 0
Number of tenders received from tenderers from non-EU Member States: 0
Number of tenders received by electronic means: 4
The contract has been awarded to a group of economic operators:
No
V.2.3) Name and address of the contractor
Arthur J. Gallagher Insurance Brokers Ltd
First Floor, Eastwood House, Glebe Road
Chelmsford
CM1 1QW
UK
Telephone: +44 1245341249
NUTS: UK
The contractor is an SME:
No
V.2.4) Information on value of the contract/lot (excluding VAT)
Total value of the contract/lot:
: 24 892.00
GBP
V.2.5) Information about subcontracting
Section V: Award of contract
Lot No: 5
Title: Insurance and related services associated with Professional Indemnity Risks as required by Kingdom Housing Association
A contract/lot is awarded:
Yes
V.2 Award of contract
V.2.1) Date of conclusion of the contract
01/04/2026
V.2.2) Information about tenders
Number of tenders received: 4
Number of tenders received from SMEs: 0
Number of tenders received from tenderers from EU Member States: 0
Number of tenders received from tenderers from non-EU Member States: 0
Number of tenders received by electronic means: 4
The contract has been awarded to a group of economic operators:
No
V.2.3) Name and address of the contractor
Arthur J. Gallagher Insurance Brokers Ltd
First Floor, Eastwood House, Glebe Road
Chelmsford
CM1 1QW
UK
Telephone: +44 1245341249
NUTS: UK
The contractor is an SME:
No
V.2.4) Information on value of the contract/lot (excluding VAT)
Total value of the contract/lot:
: 11 942.80
GBP
V.2.5) Information about subcontracting
Section V: Award of contract
Lot No: 6
Title: Insurance and related services associated with Directors and Officers Liability, and Entity as required by Kingdom Housing Association
A contract/lot is awarded:
Yes
V.2 Award of contract
V.2.1) Date of conclusion of the contract
01/04/2026
V.2.2) Information about tenders
Number of tenders received: 3
Number of tenders received from SMEs: 0
Number of tenders received from tenderers from EU Member States: 0
Number of tenders received from tenderers from non-EU Member States: 0
Number of tenders received by electronic means: 3
The contract has been awarded to a group of economic operators:
No
V.2.3) Name and address of the contractor
Jensten Group
www.jensteninsurance.co.uk, 191 high road
south woodford
e18 2qf
UK
Telephone: +44 7442331679
NUTS: UK
The contractor is an SME:
No
V.2.4) Information on value of the contract/lot (excluding VAT)
Total value of the contract/lot:
: 5 062.40
GBP
V.2.5) Information about subcontracting
Section V: Award of contract
Lot No: 7
Title: Insurance and related services associated with Crime Risks as required by Kingdom Housing Association
A contract/lot is awarded:
Yes
V.2 Award of contract
V.2.1) Date of conclusion of the contract
01/04/2026
V.2.2) Information about tenders
Number of tenders received: 4
Number of tenders received from SMEs: 0
Number of tenders received from tenderers from EU Member States: 0
Number of tenders received from tenderers from non-EU Member States: 0
Number of tenders received by electronic means: 4
The contract has been awarded to a group of economic operators:
No
V.2.3) Name and address of the contractor
Arthur J. Gallagher Insurance Brokers Ltd
First Floor, Eastwood House, Glebe Road
Chelmsford
CM1 1QW
UK
Telephone: +44 1245341249
NUTS: UK
The contractor is an SME:
No
V.2.4) Information on value of the contract/lot (excluding VAT)
Total value of the contract/lot:
: 8 704.66
GBP
V.2.5) Information about subcontracting
Section V: Award of contract
Lot No: 8
Title: Insurance and related services associated with Motor Fleet as required by Kingdom Housing Association
A contract/lot is awarded:
Yes
V.2 Award of contract
V.2.1) Date of conclusion of the contract
01/04/2026
V.2.2) Information about tenders
Number of tenders received: 3
Number of tenders received from SMEs: 0
Number of tenders received from tenderers from EU Member States: 0
Number of tenders received from tenderers from non-EU Member States: 0
Number of tenders received by electronic means: 3
The contract has been awarded to a group of economic operators:
No
V.2.3) Name and address of the contractor
Arthur J. Gallagher Insurance Brokers Ltd
First Floor, Eastwood House, Glebe Road
Chelmsford
CM1 1QW
UK
Telephone: +44 1245341249
NUTS: UK
The contractor is an SME:
No
V.2.4) Information on value of the contract/lot (excluding VAT)
Total value of the contract/lot:
: 67 037.60
GBP
V.2.5) Information about subcontracting
Section V: Award of contract
Lot No: 9
Title: Insurance and related services associated with Engineering as required by Kingdom Housing Association
A contract/lot is awarded:
Yes
V.2 Award of contract
V.2.1) Date of conclusion of the contract
01/04/2026
V.2.2) Information about tenders
Number of tenders received: 3
Number of tenders received from SMEs: 0
Number of tenders received from tenderers from EU Member States: 0
Number of tenders received from tenderers from non-EU Member States: 0
Number of tenders received by electronic means: 3
The contract has been awarded to a group of economic operators:
No
V.2.3) Name and address of the contractor
Arthur J. Gallagher Insurance Brokers Ltd
First Floor, Eastwood House, Glebe Road
Chelmsford
CM1 1QW
UK
Telephone: +44 1245341249
NUTS: UK
The contractor is an SME:
No
V.2.4) Information on value of the contract/lot (excluding VAT)
Total value of the contract/lot:
: 7 831.20
GBP
V.2.5) Information about subcontracting
Section VI: Complementary information
VI.3) Additional information
Bidders should note that for reasons of confidentiality, full Tender specification and
supporting information will be made available only to
those Bidders that are selected to proceed to the Invitation to Tender Stage. Sufficient
detail is provided within this Contract Notice and
within the SPD to enable the Bidder to decide whether to participate in this process.
NOTE: To register your interest in this notice and obtain any additional information
please visit the Public Contracts Scotland Web Site at
www.publiccontractsscotland.gov.uk
The buyer has indicated that it will accept electronic responses to this notice via the
Postbox facility. A user guide is available at
https://www.publiccontractsscotland.gov.uk/sitehelp/help_guides.aspx.
Suppliers are advised to allow adequate time for uploading documents and to dispatch
the electronic response well in advance of the
closing time to avoid any last minute problems.
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:
Information will be included in the Invitation to Tender at the next stage of the process.
Download the copy of the online SPD document here (to be completed online through
postbox submission):
https://www.publiccontractsscotland.gov.uk/ESPD/ESPD_Download.aspx?id=808033
NOTE: To register your interest in this notice and obtain any additional information please visit the Public Contracts Scotland Web Site at http://www.publiccontractsscotland.gov.uk/Search/Search_Switch.aspx?ID=808033
The buyer has indicated that it will accept electronic responses to this notice via the Postbox facility. A user guide is available at http://www.publiccontractsscotland.gov.uk/sitehelp/help_guides.aspx.
Suppliers are advised to allow adequate time for uploading documents and to dispatch the electronic response well in advance of the closing time to avoid any last minute problems.
(SC Ref:808033)
Download the copy of the online SPD document here (to be completed online through postbox submission): https://www.publiccontractsscotland.gov.uk/ESPD/ESPD_Download.aspx?id=808033
(SC Ref:830363)
VI.4) Procedures for review
VI.4.1) Review body
Sheriff Court House
Whytescauseway
Kirkcaldy
KY1 1XQ
UK
Telephone: +44 1592260171
E-mail: kirkcaldy@scotcourts.gov.uk
VI.5) Date of dispatch of this notice
24/04/2026