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.
Home contents insurance is not compulsory, but it is a good idea to consider what a policy would cover you for. Home contents insurance can help protect your personal belongings from incidents such as fire, theft, water damage, and many more household risks, giving you peace of mind.
Why should I choose contents insurance?
- Covers loss or damage to your contents caused by specific events such as theft, water damage, fire, and many more household risks.
- Tenant's liability – We will pay up to 35% of the contents sum insured for damage to your landlord's fixtures and fittings which you are legally liable for as a tenant. There is no cover available if your home is unoccupied for more than 60 days in a row
- Covers theft or attempted theft of contents in sheds, outbuildings and garages that form part of your home up to £3,000.
- Covers damage to external glazing for which you are responsible.
- We will pay up to £500 for the replacement and installation of locks for outside doors or windows and alarms if keys are lost or stolen.
- You do not need to have special door or window locks, as long as your outside door locks, that is fine.
- There is no excess in the event of a claim.
Who is this policy for?
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, pictures and ornaments.
Terms, conditions, limits, and exclusions apply. For more information about the policy, please refer to the Insurance Product Information Document (IPID) and Policy Wording.
If you are unsure whether this insurance policy is right for you, please contact the Accounts Receivable Team on 01752 388333 or email, who will be happy to help with your queries.
How do I get further information?
If you’d like to apply for home contents insurance, you can do so by completing the application form, which includes additional information and premiums. Please also review the Customer Information Document. You can contact us at the details above to request an application pack to be posted to you. 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.
Please note that 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.
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:
Report a claim or for any claims queries, for claims reported from 01 September 2025 to 05 April 2026: Sedgwick International UK, Oakleigh House, 14-16 Park Place, Cardiff, CF10 3DQ. 02920 558 739. thistletenantsclaims@uk.sedgwick.com. If you wish to tell them of your claim online, click here.
To make a complaint about your claim for claims reported from 01 September 2025 to 05 April 2026: Sedgwick International UK, Oakleigh House, 14-16 Park Place, Cardiff, CF10 3DQ. 02920 558 739. thistletenantsclaims@uk.sedgwick.com.
Register a claim:
If you are a resident who has opted into the scheme and are looking to make a claim, please contact MPL Claims Management Ltd on 0345 060 0030 or view the online portal: https://thistle-wr-policyholderportal.co.uk/.
What is the complaints process?
We want to make sure that you get the best possible service, but if you do have any questions or concerns about this insurance or the handling of a claim, you should follow Thistle Insurance Services' complaints procedure.
A copy of Thistle Insurance Services complaint’s procedure is available here. For more information, view our complaints page.
Plymouth Community Homes is working in partnership with Thistle Tenant Risks, which is a trading style of Thistle Insurance Services Limited.
Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 310419. 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.
To read Thistle Insurance's Privacy Policy, click here.
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.
