Tenant contents insurance

Contents insurance for tenants

You are responsible for ensuring you have home contents insurance.  SHDC does not provide any cover for your belongings - we strongly recommend that you source contents insurance.   

Why do I need it?

If you are a tenant who rents, then your landlord may 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 in order to help you make an informed decision on whether you need one.
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.

To help you decide whether home contents insurance is right for you, SHDC have teamed up with Thistle Tenant Risks, and Great Lakes Insurance UK Limited who provide the Crystal Insurance Scheme, a specialist Tenants Contents Insurance policy.

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.

How do I get further information?

• Call Thistle Tenant Risks on 0345 450 7286
• Alternatively, please visit the www.crystal-insurance.co.uk for more information or to request a call back.

Limits and exclusions apply. A copy of the policy wording is available on request.

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 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 Limited is part of the PIB Group.
For information about what we do with personal data please see our Privacy Policy at www.crystal-insurance.co.uk/Privacy-Policy

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

Buildings insurance

SHDC insures the structure of your home against damage or destruction caused by events as Fire, Storm and Flooding. It is important that our tenants appreciate that our policy, like all Insurance policies, has exclusions and limits to what is covered.

The policy is intended to cover the main building structure, including fixtures and fittings and other permanent items such as your kitchen units and sanitary ware. Your possessions and some or parts of the building including decorations, along with your personal liabilities, including your liability to us if you damage the property, are not covered by this policy as they are expected to be covered by your Contents policy.