Home contents insurance

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.

We do not cover your contents as part of the tenancy agreement. This includes against theft, fire, vandalism, burst pipes, or any other household risks. We recommend taking out contents insurance so that your items and belongings are covered in the event of leaks, floods, storms, fires, burglary, or any other event that has the potential to cause damage to your possessions. It's a good idea to consider what a home contents insurance policy would cover you for in order to help you make an informed decision on whether you need one.

Crystal Insurance Scheme

We have teamed up with Thistle Tenant Risks who provide specialist tenants contents insurance policies. The Crystal 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 Crystal 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.

Reasons to choose the Crystal Insurance Scheme:

  • Apply over the phone or complete an application form
  • 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 £2,000 or 20% of the sum insured, whichever is the greater)
  • 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 (up to £500)
  • You don't need to have special door or window locks (just a lockable front door)
  • Flexible regular pay-as-you-go payment options (fortnightly and monthly premiums include a transaction charge).


Thistle Tenant Risks Contents Insurance has been designed to meet the demands and needs of social housing tenants and leaseholders looking to purchase home contents insurance and Thistle have approached a single insurer, Great Lakes Insurance UK Limited. The cover is subject to the terms, conditions, limitations and exclusions contained in the Policy Wording, which you should read carefully. The premiums and payment methods available are shown on the rate card. Please note, fortnightly and monthly premiums include a transaction change.

If you are unsure whether this insurance policy is right for you please contact Thistle Tenant Risks who will be happy to answer any questions.

If you'd like to apply for home contents insurance, you can do so by completing an application form or by calling Thistle Tenant Risks on 0345 450 7286. Alternatively, visit their website for more information. Prior to completing the application form, you should review the Thistle Insurance Services Terms of Business Agreement 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. Please note that all Tenant Risks business 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.

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 complaints procedure, a copy of which is available on request. For additional information, view the Crystal Insurance Scheme complaints page.

The Crystal Insurance Scheme is a product name arranged and administered by Thistle Tenant Risks 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, DN22 7SW. Thistle Insurance Services Limited is part of the PIB Group.

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