My Home Contents Insurance

The National Housing Federation works in partnership with Thistle Tenant Risks, who provide My Home Contents Insurance. The My Home scheme is designed for tenants and residents living in social housing, offering economical and flexible schemes to protect tenants against a whole range of risks at no cost to you as a member.

Thistle Tenant Risks is a leading provider, developing tenant contents insurance schemes in the social housing sector for over twenty years and working with in excess of 700 housing associations and local authorities.

How can having home contents insurance help your tenants and residents?

It is a good idea for tenants and residents to consider home contents insurance to cover their possessions against fire, theft and other risks, such as accidental damage. If something happens to destroy or damage possessions, some of which may be essential, it can cost a lot of money to replace those items. This is of particular concern given the increased cost of living.

Contents insurance can provide peace of mind, that in these instances, they would be able to have items replaced or repaired.

Why use My Home?

Many people in social housing do not have a home contents insurance policy, so if they were to suffer a fire, flood or theft, low-income households face an unenviable choice of using credit, drawing down savings (where available), or going without and adapting in ways that might ultimately be more expensive.

My Home Contents Insurance is designed to help protect your tenant's possessions, offering you:

Flexibility for your tenants and residents

The policy has been designed to meet the specific needs of tenants. The pricing and payment options have been developed to provide flexibility. Extra cover is also available - extended accidental damage, personal possessions (cover for items away from the home), wheelchairs and hearing aids and the structure of garages, sheds and greenhouses, so your tenants can personalise their cover to protect what is important to them. Tenants can choose from a range of payment options including weekly, fortnightly, monthly and annual collections.

A dedicated in-house team

The administration of all "arms-length" schemes is managed in-house by Thistle’s expert team, so there are no third-party administration fees built into the premiums, no unnecessary costs and no extra burden on your organisation.

Simple administration

Alternatively, housing providers can administer their own Tenants Home Contents Insurance Scheme using our bespoke web-based portal, reducing the need for existing system changes to accommodate insurance.

Find out more about our business models

Benefits to your tenants

Covers theft, water damage, fire, and many more household risks.
Covers tenant’s improvements (up to £2,000 or 20% of the sum insured, whichever is the greater).
Covers contents in sheds, outbuildings, and garages (up to £3,000).
Covers damage to external glazing for which tenants are responsible.
Covers replacement and installation of locks for outside doors or windows and alarms, if keys are lost or stolen.
There’s no need to have a special door or window locks (as long as your outside doors are locked, this is covered).

How much does home contents insurance cost?

Premiums vary, depending on the postcode, sum insured, cover levels and payment method, tenants can get a quote by calling the My Home Team on 0345 450 7288.

Terms and conditions apply.

What Promotional Support you will receive as a member?

To help support, Thistle Tenant Risks promise extensive and innovative marketing support which is specifically designed to increase take up of insurance amongst your tenants and residents. The tenant call-back service and My Home website continue to be used extensively by housing associations and residents.

They work hard to meet the challenges of a changing environment; their team has been instrumental in introducing many new initiatives to encourage low income families to take out insurance.

Thistle Tenant Risks also provides quarterly communications with downloadable articles on various topics, which can be used on websites, newsletters, and in resident magazines. They also offer adverts, social media, approved regulatory website wording and much more

Download our brochure

Testimonial

Peabody is one of the UK’s oldest not-for-profit housing associations, managing 108,000 homes with a commitment to providing great housing, making a positive impact in communities, and fostering an inspiring, inclusive workplace.

“Thanks to our partnership with Thistle Tenant Risks, all Peabody tenants and residents can access a straightforward home contents insurance policy. The arms-length scheme allows customers to deal directly with Thistle, freeing our housing staff to focus on other support.

"We value Thistle’s responsive service, call-back support, comprehensive marketing, and the launch of their quote and buy platform. Most importantly, we have peace of mind knowing that residents who choose this insurance are protected against fire, flood, theft, and more through this specialist scheme.”

Richard Amoh, Insurance Analyst

Find out more about My Home Contents Insurance

Contact details

For more information on the My Home scheme and how it can benefit you and your tenants contact us:

Dean Seager, Sales & Business Development Manager– Dean.Seager@thistleinsurance.co.uk, 07833 508273
Matthew Whatmoor-Cooke, Account Executive - Matthew.Cooke@thistleinsurance.co.uk, 07954, 142371
Ann Park, Account Executive - Ann.Park@thistleinsurance.co.uk, 07436 244 061
Becky Rourke, Account Executive – Becky.Rourke@thistleinsurance.co.uk, 0786 7467773
Sally Alvey, Schemes Manager - Sally.Alvey@thistleinsurance.co.uk, 0113 733 3951

Alternatively, you can email us at myhome@thistleinsurance.co.uk

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. The Thistle Insurance Data Protection Privacy Policy can be viewed on their website.