Home contents insurance may seem complicated, and many people think they can’t afford it. We have teamed up with Thistle Tenant Risks and Great Lakes Insurance UK Limited to offer tenants the chance to insure their home contents and belongings through the My Home Contents Insurance Scheme.

Tai Calon is not responsible for your home contents and belongings; this is your responsibility. You should protect your home contents, belongings, clothes, furniture, TVs, carpets, and jewellery. My Home Contents Insurance Scheme covers your home contents against fire, theft, flood, water damage, etc.

Why do I need it?

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 Scheme

Tai Calon has teamed up with Thistle Tenant Risks, which provides specialist Tenants Contents Insurance policies. My Home Contents Insurance is a specialist insurance scheme provided by Thistle Tenant Risks, and all tenants living in social and affordable housing are eligible to apply.

My Home 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 Scheme

  • Apply over the telephone or complete an application form.
  • It covers theft, water damage, fire and many more household risks.
  • Covers tenant improvements (up to £2000 or 20% of the sum insured, whichever is the greatest).
  • Covers theft or attempted theft of contents in sheds, outbuildings and garages (up to £3,000).
  • It covers damage to external glazing for which you are responsible.
  • Covers replacement and installation of locks for outside doors, windows, and alarms if keys are lost or stolen (up to £500).
  • You don’t need special door or window locks (just a lockable front door).
  • Flexible regular Pay-As-You-Go payment options (fortnightly and monthly premiums include a transaction charge).

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. Thistle has approached a single insurer, Great Lakes Insurance UK Ltd. The cover is subject to the terms, conditions, limitations and exclusions in the Policy Wording, which you should read carefully. The premiums and payment methods available are shown on the rate card here. Please note fortnightly and monthly premiums include a transaction change.

If you are unsure whether this insurance policy is right for you, please get in touch with Thistle Tenant Risks, who will gladly help with your queries.

How do I get further information?

If you’d like to apply for home contents insurance, complete an application form or call Thistle Tenant Risks on 0345 450 7288.

Alternatively, visit https://www.thistlemyhome.co.uk/ for more information. Before completing the application form, please review the Thistle Insurance Services Terms of Business Agreement and Insurance Product Information Document. These documents give you important information on your rights, how we deal with you, your insurance, and key information regarding insurance coverage. 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 decide which coverage is appropriate for your needs.

What to do if you have a complaint

We always intend to give you the best possible service, but if you 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’ complaint procedure is available upon request. For additional information, view our complaints page www.thistlemyhome.co.uk/Make-a-Complaint

The National Housing Federation works 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.

Our Data Protection Privacy Policy is online at https://www.thistleinsurance.co.uk/Privacy-Policy

It is important to protect your belongings, and your Landlord suggests that you look for providers regulated by the Financial Conduct Authority (FCA). Thistle Insurance Services is a company that specialises in social housing contents insurance. However, other providers can be found on comparison websites like Money Supermarket or Compare the Market.


My home insurance application pack
Insurance Product Information Document
Tenants and residents home contents insurance scheme costs - from 1st July 2023
My Home Contents Insurance A special service for tenants and residents Policy Wording
Terms of Business Agreement