Home Contents insurance

Home Contents insurance

Why do I need home contents insurance?

We insure the structure of your home but the cover doesn’t include what’s inside it, such as your furniture and personal belongings.

It’s a good idea to consider what a home contents insurance policy would cover you for to help you make an informed decision on whether you need one.

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 so home contents insurance can help provide peace of mind, should the worst happen.

Pay As You Go Home Contents Insurance Scheme

We have teamed up with Thistle Tenant Risks, which provides specialist Tenants Contents Insurance policies.

The Pay As You Go 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.

The 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.

Reasons to choose Pay As You Go Home 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 or 20% of the sum insured, whichever is the greatest)
• Covers theft or attempted theft of contents in sheds, outbuildings and garages (up to £3,000)
• 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
• You don’t need to have special door or window locks (just a lockable front door)

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. The scheme is underwritten by Ageas Insurance Limited.

The cover is subject to the terms, conditions, limitations and exclusions contained in the Policy Wording, which you should read carefully. 

If you are unsure whether this insurance policy is right for you, please contact our team on 0161 393 5353.

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. Alternatively, you can request an application pack from our team by emailing fit@fcho.co.uk or calling 0161 393 5353.

Before 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 Thistle Tenant Risks deals with you and your insurance and key information regarding the insurance cover.

Please note that the insurance policy Thistle Tenant Risks provides 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

It is always the intention to give you 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 the complaint procedure.

View Thistle Insurance Services' complaints procedure.

For additional information, view our complaints page.

The National Housing Federation working in partnership with Thistle Insurance Services Ltd. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority FRN 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.

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It is important to protect your belongings and we as your landlord suggest that you look for providers who are regulated by the Financial Conduct Authority (FCA). Thistle Insurance Services are a company that specialises in social housing contents insurance, however there are also other providers that can be found on comparison websites like Money Supermarket or Compare the Market.