Apply for contents insurance

We do 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. Home contents insurance can help provide peace of mind should the worst happen.

Pay As You Go Home Contents Insurance

We have teamed up with Thistle Tenant Risks who provide specialist Tenants Contents Insurance policies. Thistle Tenant Risks 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.

Thistle Tenant Risks 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 Pay As You Go Home Contents Insurance

  • No excess (you don’t pay the first part of the claim)

  • Covers theft, water damage, fire, and many more household risks

  • Covers tenants 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)

  • Covers damage to external glazing for which you are responsible 

  • Covers replacement and installation of locks for outside doors or windows and alarms, if keys are lost or stolen (up to £500)

  • You don’t need to have special door or window locks (just a lockable front door)

Who this policy is 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 and Thistle have approached a single insurer Great Lakes Insurance UK Limited. The cover is subject to the terms, conditions, limitations and exclusions contained in the Policy Wording, which you should read carefully.

If you are unsure whether this insurance policy is right for you, contact Sutton’s Insurance team.

Find out more

Details of the sums insured available, as well as premiums, can be found on page 5 of the application pack. If you’d like to apply for home contents insurance, you can do so by completing an online application form.  Alternatively, we can send you an application pack at your request.

Prior to completing the application form, please review the Important Customer Information Document and Insurance Product Information Document. These documents give you important information on your rights and how we deal with you and your insurance and key information regarding the insurance cover.

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 a Sutton Housing Partnership 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 view the on-line portal.

Complaints process

The London Borough of Sutton always aims to get things right the first time and we are committed to ensuring that we achieve the highest level of service for our customers.

If you feel this hasn’t happened, we would like to hear about it so that we have an opportunity to put things right for you and to improve our service in the future.

If you have a complaint about the sale or service of your insurance policy, email us at insurance@sutton.gov.uk, call us on 020 8770 5353, or write to:

Insurance Team
London Borough of Sutton
Civic Offices
St. Nicholas Way
Sutton
SM1 1EA

Alternatively, a copy of Thistle's complaint’s procedure is available on request. For additional information, view their complaints policy.  

Thistle Tenant Risks 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.

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