Home Contents Insurance

We strongly advise all tenants and leaseholders to take out household content insurance. 

Many council tenants and leaseholders believe that we automatically insure their furniture, belongings and decorations against theft, fire, vandalism or burst pipes, but this is not the case. Unfortunately, many people only realise this after the damage has been done.

We recommend Crystal insurance, provided by Thistle Insurance services, insured by Allianz Insurance PLC. They offer a good choice of cover with very competitive premium rates. You can of course choose to make your own arrangements through any other insurer.

Please contact Crystal insurance directly with any questions regarding their scheme on 0845 601 7007 (or 01628 586 187 from a mobile). You can also call them if you need help filling in the form as they can complete the application process over the phone with you.

Apply via the Crystal insurance website, or pick up a form from housing office receptions. New tenant packs include a copy of this form. If you would like to request a Policy Document they are available upon request from Crystal insurance.

Please send your application form directly to Thistle Insurance Services Ltd.

Basics of the scheme

  • Low sums insured
    The lowest amount that can be insured is £6,000 for people over 60 and £9,000 for everybody else - weekly payments can be less than a pound!
  • Insurance for your furniture, clothing, carpets and electrical goods
    Most of your household goods are covered when in your home - theft of keys, freezer contents and your own public liability are also covered
  • Insurance against theft, vandalism and water damage
    Your contents are covered for loss or damage - full details will be in your policy booklet
  • 'New-for-old' insurance
    Contents, other than clothing and linen, are covered on a new-for-old basis, meaning they would be replaced as new

Please note

  • You must keep your payments up-to-date as your insurance will be cancelled if you fall into arrears.
  • It is important not to undervalue your contents, otherwise the insurer will not pay the full value of your claim.