Home Contents Insurance

Why do I need it?

As your landlord, we cover the buildings insurance for your home, but you are responsible, under the terms of your tenancy, for insuring your contents. It is always a good idea to shop around for a policy that will give you the cover you need.

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.

What does contents insurance cover?

GCH have teamed up with Thistle Tenant Risks, to offer the My Home Contents Insurance Scheme, designed specifically for residents in social housing, all our residents are eligible to apply. The scheme is designed to meet the demands and needs of social housing residents looking to purchase home contents insurance.

This policy can cover contents such as: Furniture, Carpets, Curtains, Clothes, Bedding, Electrical items, Pictures, Ornaments.

Terms, conditions, limits, and exclusions apply. For more information about the policy, please refer to the Insurance Product Information Document and Policy Wording.

If you are unsure whether this insurance policy is right for you, please contact Thistle Tenant Risks who will be happy to help with your queries.

Reasons to choose My Home Contents Insurance Scheme

• 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 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.

How can I apply for home contents insurance and how much will it cost? 

• If you would like to apply for home contents insurance, you can now purchase your home contents policy online when paying monthly via direct debit, please note paying by direct debit includes a 4.6% transaction charge. Visit thistlemyhome.co.uk to get a quote today.
• You can complete an application form, which includes additional information, details of available payment options, and any applicable transaction charges. For further details, please refer to the  rate card for payment options and premiums, as well as the Thistle Insurance Services Terms of Business Agreement. These documents provide important information about your rights, how we manage your insurance, and key details about the insurance.
• Or by calling Thistle Tenant Risks on 0345 450 7288.
• You can also request a call back here thistlemyhome.co.uk/contact-us

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.

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 Thistle Insurances Services complaints procedure.

A copy of their complaint’s procedure is available on request. For additional information, view Thistle Insurance Services complaints page location on their website www.thistlemyhome.co.uk/Make-a-Complaint

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 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.

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