The importance of home contents insurance
As your landlord, we cover the buildings insurance for your home, but you are responsible, under the terms of your tenancy, for insuring your contents. It is always a good idea to shop around for a policy that will give you the cover you need.
Home contents insurance is not compulsory, but it is a good idea to consider what a policy would cover you for. Home contents insurance can help protect your personal property from incidents such as fire, theft, water damage, and many more household risks, giving you peace of mind.
Details of coverage
We have teamed up with Thistle Tenant Risks, to offer a Home Contents Insurance Scheme, designed specifically for tenants in social housing, all our tenants are eligible to apply. The scheme is designed to meet the demands and needs of social housing residents looking to purchase home contents insurance.
This policy can cover contents such as: Furniture, Carpets, Curtains, Clothes, Bedding, Electrical items, Pictures, Ornaments.
Terms, conditions, limits, and exclusions apply. For more information about the policy, please refer to the Insurance Product Information Document (IPID) and Policy Wording.
Reasons to choose our Pay As You Go Home Contents Insurance Scheme
- No excess (you do not pay the first part of the claim)
- Covers loss or damage to your contents caused by specific events such as, theft, water damage, fire, and many more household risks.
- Tenant's liability – We will pay up to 35% of the contents sum insured for damage to your landlord's fixtures and fittings which you are legally liable for as a tenant. There is no cover available if your home is unoccupied for more than 60 days in a row.
- Covers theft or attempted theft of contents in sheds, outbuildings and garages that form part of your home up to £3,000.
- Covers damage to external glazing for which you are responsible.
- We will pay up to £500 for 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, as long as your outside door locks, that is fine.
Application process and cost
The quickest way to apply for cover is by completing the online form. Please read the following documents before you apply, as they contain important information about the cover, your rights, and the policy terms
- Insurance Product Information Document (IPID)
- Policy Wording
- Customer Information Document
Once you have reviewed these documents, you can apply by completing the online form
Alternatively, you can complete an application form (PDF), which includes additional information, and premiums. You can contact us at insurance@edinburgh.gov.uk or 07599 101999 to request an application form to be posted to you. Please also review the Thistle Customer Information Document. These documents provide important information about your rights, how we manage your insurance, and key details about the insurance.
Return the completed form to:
Βι¶ΉΣ³»
Insurance Services
Business Centre 2.6
Waverley Court
4 East Market Street
Edinburgh
EH8 8BG
Please note that the insurance policy we provide is arranged on a non-advised basis. This means that you will be provided with the key information to be able to make an informed decision on which cover is appropriate for your needs. If you are unsure whether this insurance policy is right for you, please contact Βι¶ΉΣ³» who will be happy to help with your queries.
If you are a resident who has opted into the scheme and are looking to make a claim, please contact MPL Claims Management Ltd on 0345 060 0030 or via .
What to do if you have a complaint
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 Thistle Insurances Services complaints procedure.
Download Thistle Insurance Services complaint’s procedure
For additional information visit the Council's comments and complaints page.
Βι¶ΉΣ³» working in partnership with Thistle Tenant Risks which is 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 Ltd is part of the PIB Group.