Home contents insurance

Home contents insurance can help provide peace of mind should the worst happen in your home.

Home contents insurance

Home 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.

We do not cover your contents as part of the tenancy agreement. It’s a good idea to consider what a home contents insurance policy would cover you for, so you can decide whether you need to be insured.

Home contents insurance from Thistle Insurance Services

We have teamed up with Thistle Insurance Services who provide specialist contents insurance policies for tenants. All tenants living in social and affordable housing are eligible to apply.

Thistle offers 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 pay as you go home contents insurance:

  • no excess (you do not pay the first part of the claim)
  • covers theft, water damage, fire and many more household risks
  • covers tenants' improvements (up to £2000 or 20% of the sum insured, whichever is the greatest)
  • covers contents in sheds, outbuildings, and garages (up to £3000)
  • 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 do not need to have special door or window locks
  • all postcodes are included

Who this policy is for

Thistle Insurance Services Home Contents Insurance Policy has been designed to meet the demands and needs of social housing residents looking to purchase home contents insurance, which Thistle has arranged with a single insurer, Ageas Ltd.

The cover is subject to the terms, conditions, limitations and exclusions contained in the policy wording. The policy can be downloaded below, or email housingrentaccounting@croydon.gov.uk for a policy booklet to be sent to you. Please read it carefully and if you're unsure whether this insurance policy is right for you, contact us for more information. 

How to apply 

To apply for home contents insurance, please complete an application form. You can email us at housingrentaccounting@croydon.gov.uk or call us on 020 8726 6100 for an application form to be posted to you. It is important to read the customer information and insurance product information documents. These give you important information on your rights, how we deal with you and your insurance, and key information regarding the insurance cover. These can be found in the downloads section below. 

Return your completed form to:

Resident Engagement and Allocations
Income and Lettings
Rent Accounting Team
Bernard Weatherill House
3rd Floor Zone A
Mint Walk
Croydon CRO 1EA

The insurance policy we provide is arranged on a non-advised basis. This means that we will only provide you with the key information for you to be able to make your own informed decision on your insurance needs.

Complaints process

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 procedure.

A copy of Thistle Insurance Services complaints procedure is available in the downloadable documents below. We 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 has not 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.

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. Registered in England under No. 00338645. Registered office: Rossington’s Business Park, West Carr Road, Retford DN22 7SW. Thistle Insurance Services Ltd is part of the PIB Group.

You can read our Data Protection Privacy Policy.


Thistle home contents insurance policy document (PDF, 1MB)

Thistle important customer information (PDF, 27KB)

Home content insurance application form: Pay as You Go (PDF, 1MB)

Thistle Insurance Services complaints policy (PDF, 360KB)

Home contents insurance complaints process (PDF, 279KB)

Housing service insurance privacy notice (DOC, 25KB)