{
  "url": "https://openlegislation.uk/housing-benefit-regulations-2006/schedule-5/paragraph-29",
  "json_url": "https://openlegislation.uk/housing-benefit-regulations-2006/schedule-5/paragraph-29.json",
  "legislation": "uksi/2006/213",
  "legislation_title": "The Housing Benefit Regulations 2006",
  "legislation_url": "https://openlegislation.uk/housing-benefit-regulations-2006",
  "path": "schedule/5/paragraph/29",
  "kind": "paragraph",
  "number": "29",
  "heading": null,
  "text": "(1) Subject to sub-paragraph (2), any payment received under an insurance policy taken out to insure against the risk of being unable to maintain repayments—\n(a) on a loan which is secured on the dwelling which the claimant occupies as his home; or\n(b) under a regulated agreement as defined for the purposes of the Consumer Credit Act 1974 or under a hire-purchase agreement or a conditional sale agreement as defined for the purposes of Part 3 of the Hire-Purchase Act 1964 .\n(2) A payment referred to in sub-paragraph (1) shall only be disregarded to the extent that the payment received under that policy does not exceed the amounts, calculated on a weekly basis, which are used to—\n(a) maintain the repayments referred to in sub-paragraph (1)(a) or, as the case may be, (b); and\n(b) meet any amount due by way of premiums on—\n(i) that policy; or\n(ii) in a case to which sub-paragraph (1)(a) applies, an insurance policy taken out to insure against loss or damage to any building or part of a building which is occupied by the claimant as his home and which is required as a condition of the loan referred to in sub-paragraph (1)(a).",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "M",
      "label": "M1",
      "text": "1974 c. 39."
    },
    {
      "type": "M",
      "label": "M2",
      "text": "1964 c. 53; Part 3 was substituted by the Consumer Credit Act 1974 (c. 39), Schedule 4, paragraph 22."
    }
  ],
  "outstanding_effects": [
    {
      "type": "inserted",
      "affecting": "uksi/2026/1072",
      "affecting_title": "The Social Security (Income and Capital Disregards) (Amendment) Regulations 2026"
    },
    {
      "type": "words substituted",
      "affecting": "uksi/2026/1072",
      "affecting_title": "The Social Security (Income and Capital Disregards) (Amendment) Regulations 2026"
    }
  ],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2006/213/schedule/5/paragraph/29",
    "retrieved_at": "2026-11-06T03:35:43.605354+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}