Money advice
Contents insurance is designed to help protect your possessions
No matter how careful you are, there’s always a risk that your belongings could be broken, damaged or stolen. Home contents insurance can help provide peace of mind should the worst happen.
We do not cover your contents as part of the tenancy agreement or lease so it’s a good idea to consider what a home contents insurance policy would cover you for to make an informed decision on whether you need one.
Specialist insurance scheme for social and affordable housing
We have teamed up with Thistle Tenant Risks who provide specialist tenants’ contents insurance policies. The National Housing Federation My Home Contents Insurance Scheme is a specialist insurance scheme provided by Thistle Tenant Risks and all tenants living in social and affordable housing are eligible to apply.
Thistle Tenant Risks Contents Insurance scheme can offer you insurance for the contents of your home including cover for items such as furniture, carpets, curtains, clothes, bedding, electrical items, jewellery, pictures and ornaments.
Why should I choose contents insurance?
- No excess (you don’t pay the first part of the claim)
- Covers theft, water damage, fire and many more household risks
- Covers tenants’ improvements (up to £2000)
- Covers contents in sheds, outbuildings and garages (up to £2500)
- Covers damage to external glazing for which you are responsible
- Covers replacement and installation of locks for outside doors or windows and alarms, if keys are lost or stolen (up to £500)
- You don’t need to have special door or window locks (just a lockable front door)
- All postcodes are included.
Who is this policy for?
Thistle Tenant Risks Contents Insurance has been designed to meet the demands and needs of social housing residents looking to purchase home contents insurance and Thistle has approached a single insurer Royal & Sun Alliance Ltd. The cover is subject to the terms, conditions, limitations and exclusions contained in the Policy Wording (see below), which you should read carefully.
How do I get further information?
If you’d like to apply for home contents insurance, you can do so by completing an application, to request an application pack call us on 0808 2306500. Prior to completing the application form, please review the Important Customer Information Document and Insurance Product Information Document. These documents give you important information on your rights and how we deal with you and your insurance and key information regarding the insurance cover.
The insurance policy we provide is arranged on a non-advised basis. This means that you will be provided with the key information to be able to make an informed decision on which cover is appropriate for your needs.
You can also call us on 0808 230 6500.
How can I make a claim on my insurance policy?
You must be in credit with your payments to be eligible to make a claim on your policy.
When an accident happens, take any immediate action you think is necessary to reduce further loss or damage to your property and belongings, such as switching off the gas, electricity or water.
Look at your policy to check that the loss or damage is covered. Read carefully what is not covered and any policy exclusions that may apply.
Contact the Claims Administrator Davies Group on 0345 671 8171. The Claims Administrator, Davies Group, Direct House, Lacy Way, Lowfields Business Park, Elland, Halifax, HX5 9DB.
What is the complaints process?
If you have a complaint about the sale or service of your insurance policy, call us on 0808 230 6500 in the first instance.
If you have a complaint relating to your policy, please contact Thistle Insurance Services Limited at tenantscontents@thistleinsurance.co.uk or 0345 450 7286.
Thistle Tenant Risks, Thistle Insurance Services Limited, Southgate House
Southgate, Gloucester, GL1 1UB.
Thistle Tenant Risks is a trading style of Thistle Insurance Services Limited. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority FRN 310419. Lloyd’s Broker. Registered in England under No. 00338645. Registered office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Thistle Insurance Services Ltd is part of the PIB Group.
Buildings insurance
We have building insurance on all of our blocks which covers the structure of the property and any fixtures and fittings.
Buildings insurance also covers flats which are owned by leaseholders and shared owners.
Tenants, leaseholders and shared owners will need to arrange contents insurance separately as this is not covered in the buildings insurance.
You can find more information on buildings insurance on our dedicated leaseholder and shared owner pages.
