Home contents insurance

It’s a good idea to insure your household belongings so they are protected in the event of damage or loss.

Home contents insurance is not included in tenancy or leasehold agreements and is separate from building insurance, so every resident is responsible for making their own insurance arrangements.

Whichever insurer you choose, look for a provider who’s regulated by the Financial Conduct Authority (FCA). You might find it helpful to use a comparison website when choosing a home contents insurance provider. We’ve included links to some at the bottom of this web page.

Pay As You Go Home Contents Insurance 

To help you decide whether home contents insurance is right for you, we’ve teamed up with Thistle Tenant Risks and Great Lakes Insurance UK Limited, to offer tenants and leaseholders a pay as you go home contents insurance scheme. Thistle provide specialist tenants contents insurance policies.

My Home Contents Insurance can offer cover for items such as furniture, carpets, curtains, clothes, bedding, electrical items, jewellery, pictures and ornaments.

  • For tenants, premiums can be paid weekly or monthly with your rent
  • For leaseholders, premiums can be paid every 3 months.

Reasons to choose Pay As You Go My Home Contents Insurance

  • Covers theft, water damage, fire and many more household risks
  • No excess (you don’t pay the first part of the claim)
  • 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).

Limits and exclusions apply. The policy wording is available to  download on this web page.

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 have approached a single insurer Great Lakes Insurance UK Ltd. The cover is subject to the terms, conditions, limitations and exclusions contained in the policy wording. You should read this carefully.

How do I apply for the My Home Contents Insurance service?

The easiest and quickest way to apply for My Home Contents Insurance is to complete a digital form.  Download and submit the digital application form on this web page.

  • If you aren’t online and want to apply for home contents insurance in writing, email us info@poplarharca.co.uk.

Prior to completing the application form, please review the Important Customer Information and Insurance Product Information documents on this web page. These documents outline your rights, how Thistle will deal with you and your insurance and key information regarding the insurance cover.

Please note that this insurance policy is arranged on a non-advised basis. This means you will be provided with the key information to be able to make an informed decision on which cover is appropriate for your needs.

If you have a complaint about My Home Contents Insurance

It’s always the intention to give you the best possible service but if you do have any questions or concerns about this insurance offer or the handling of a claim, you should follow Thistle Insurance Services complaint’s procedure, available to download on this web page.

Our compliments and complaints information is available here.

About Thistle Tenant Risks

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 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.

Thistle Insurance’s Data Protection Privacy Policy is available to view online.

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