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Do you have home contents insurance?

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We've teamed up with Thistle Tenant Risks, and Royal & Sun Alliance Ltd who provide the Crystal Insurance Scheme, a specialist home contents insurance for social housing tenants.

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.

The Crystal 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, and much more.

What do they cover?

  • Covers loss or damage to food in a fridge/freezer (excludes damage caused if the electricity supplier deliberately cuts of the supply to your home)
  • Covers theft, water damage, fire and many more household risks
  • Cover for fixed improvements you have added as a tenant of the home such as fitted kitchen units and bedroom furniture (up to 20% of the contents sum insured)
  • Covers theft or attempted theft of contents in sheds, outbuildings and garages (up to £2,500)
  • Covers damage to external glazing for which you are responsible
  • Covers replacement and installation of locks for outside doors and alarms, if keys are lost or stolen
  • You don’t need to have special door or window locks (just a lockable front door)
  • Up to 20% of the contents sum insured for damage to your landlord’s fixtures and fittings which you are legally liable for as a tenant (excludes loss or damage whilst your home is unoccupied)
  • Flexible regular payment options (fortnightly and monthly premiums include a transaction charge)
  • Optional covers such as full accidental damage cover can be included for an additional premium

How do I get further information?

You can find our more information by visiting their website, or giving hem a call.

  • Call Thistle Tenant Risks on 0345 450 7286
  • Visit the website

The Crystal Insurance Scheme is a product name arranged and administered by Thistle Tenant Risks 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, Nottinghamshire, DN22 7SW. Thistle Insurance Services Limited is part of the PIB Group. For information about what we do with personal data please see our Privacy Policy at