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Home contents insurance

Everyone needs household contents insurance

If something happens (for example there is a flood or your washing machine overflows) you won't need to worry about buying all new stuff.

What is covered?

This scheme covers many areas, including:

  • most household goods and contents in your home (including pedal cycles and computer equipment)
  • lost or stolen keys
  • freezer contents
  • legal liability to the public
  • cost of alternative accommodation
  • contents out in the open on land belonging to your home
  • students' possessions while they are temporarily living away from home to study within the British Isles
  • improvements made to your home (if you include their replacement value on the application form)

In addition to this standard cover there are also options to include accidental damage on all of your home contents, cover for personal belongings, hearing aids and wheelchairs away from the home whilst in the UK and European Union.

Our insurance is only available to tenants with a clear rent account.

For more detail on the policy cover please view the insurance product information document.

How much does it cost?

Payments are made with your rent. You still need insurance if you receive Housing Benefit, and you will need to pay for it. The insurance policy is no longer effective if you do not keep up with your payments on at least a monthly basis.

Why do I need it?

We do not cover your contents as part of the tenancy agreement. Therefore 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.

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.

My Home contents insurance

We have teamed up with Thistle Tenant Risks who provide specialist tenants contents insurance policies. The National Housing Federation My 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.

Thistle Tenant Risks contents 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 My 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)
  • Covers contents in sheds, outbuildings and garages (up to £2000)
  • 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
  • All postcodes are included

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 Allianz Insurance plc. The cover is subject to the terms, conditions, limitations and exclusions contained in the policy wording, which you should read carefully.

Based on the information which has been provided to you if you are unsure whether this insurance policy is right for you please contact Selwood Housing on 01225 715 715.

How do I get further information?

If you'd like to apply for home contents insurance, you can do so by completing an application form or by calling Selwood Housing on 01225 715 715. Prior to 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 Tenants Risks deal with you, your insurance and key information regarding the insurance cover.

Please note that the insurance policy Thistle Tenants Risks 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.

Complaints process

Selwood Housing always aim to get things right first time and we are committed to ensuring 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 that we have an opportunity to put things right for you and to improve our service in the future.

If you have a complaint about the sale or service of your insurance policy, call us on 01225 715 715 or write to:

Selwood Housing Group,
Bryer Ash Business Park,
Bradford Road,
BA14 8RT

Alternatively, a copy of Thistles complaint's procedure is available on request. For additional information, view Thistles complaint process.  

If you have a complaint relating to your policy, please contact the Allianz Customer Satisfaction Manager at:

Allianz Insurance plc
PO Box 10623
LE18 9HJ

Phone: 03301 021 781
Fax: 01483 529 717

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 FRN 310419. Lloyd’s Broker. 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.