Home contents insurance
We’ve partnered with Thistle Tenant Risks to offer a pay as you go home contents insurance policy, designed specifically for social housing tenants. All council tenants are eligible to apply.
This page provides information to help you decide if this insurance is suitable for you.
Why you should consider getting home contents insurance
As a council tenant, your furniture and personal belongings aren’t automatically insured against risks like theft, fire or water damage.
If something happens, you won’t be able to claim insurance to replace your belongings.
While we cover the building insurance, you’re responsible for insuring your contents. Home contents insurance protects your items from these risks.
What our home contents insurance policy covers
The policy covers items like:
- furniture
- carpets
- curtains
- clothes
- bedding
- electrical items
- pictures
- ornaments
Terms, conditions, limits and exclusions apply. Find more information about the policy in the:
If you have questions about whether this insurance policy is right for you, contact us. You can find our contact details at the bottom of this page.
Benefits of our home contents insurance policy
Benefits of our home contents insurance policy include:
- no excess (you do not pay the first part of the claim)
- covers loss or damage to your contents caused by specific events such as theft, fire and water damage
- tenant’s liability – we 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 pay up to £500 for replacement and installation of locks for outside doors or windows and alarms if keys are lost or stolen
- you don’t need to have special door or window locks, as long as your outside door locks
Apply for home contents insurance
To apply, complete our pay as you go home contents insurance application form (PDF 266kb). It includes more information and details about the amount you will pay for the insurance policy, known as premiums.
If you want us to post the application form to you, contact us. You can find our contact details at the bottom of this page.
Before applying, read the Thistle customer information document (google doc). It includes important information about the policy, how we manage your insurance and your rights.
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.
What to do if you have a complaint
We always aim to get things right the first time and we’re committed to making sure that we achieve the highest level of service for our customers.
If you feel this hasn’t happened, we would like to hear about it, so we have an opportunity to put things right and improve our service in the future.
If you have a complaint about the sale or service of your insurance policy call, email or write to us using the contact details at the bottom of this page.
Alternatively, see Thistle’s complaints procedure (google doc).