Home contents insurance

When you rent from us, your rent payment does not include home contents insurance.

You should consider what is covered by home contents insurance so you can make an informed decision on whether you need it.

Contents insurance protects the things you own. There is always a risk that your belongings could be broken, damaged or stolen, even if you are very careful.

About the home contents insurance scheme

The Thistle Tenant Risks Home Contents Insurance Scheme is a specialist insurance scheme for social housing tenants. If you are a Cardiff Council tenant, you can apply for the scheme.

If you rent temporary accommodation or a furnished property, you are not eligible for the scheme.

The insurance covers items in your home, such as:

• furniture,
• carpets,
• curtains,
• clothes,
• bedding,
• electrical items,
• jewellery,
• pictures, and
• ornaments.

The policy has been designed to meet the needs of social housing tenants.

Cover is subject to terms, conditions, limitations, and exclusions in the Home Contents Insurance Scheme Policy Booklet (803kb PDF).

If you are unsure if this policy is right for you, please contact us.

You can view Thistle Insurance Services’ privacy policy.​

Benefits of the scheme

• No excess to pay if you make a claim.
• Theft, water damage, fire and many more household risks are covered.
• Tenants’ improvements are covered. This is up to £2,000 or 20% of the sum insured, whichever is greater.
• Theft or attempted theft of the contents in sheds, outbuildings, and garages is covered. This is up to £2,000.
• Damage to external glazing, which you are responsible for, is covered.
• Replacement and installation of locks for outside doors and alarms if keys are lost and stolen is covered.
• You do not need special door or window locks. You just need a lockable front door.​

Cost​

Premiums start from 76p per week for £6,000 worth of standard cover.
For extended accidental damage cover, premiums start from 91p a week.
All council tenants can apply, regardless of age.
Please read the application form for more information.

How to apply

• important customer information document (127kb PDF), and
• insurance product information document (96kb PDF).

To apply, please complete the application form (1.2mb PDF) and take it to your local Hub​ or send it to:

You can also collect a paper application from your local Hub or contact us to get a copy by post.

The insurance policy we provide is arranged on a non-advised basis. You will be given key information so that you can make an informed decision on which cover is best for you.​

What to do if you have a complaint

If you have any questions, concerns, or complaints about the policy, please follow Thistle Insurance Services’ complaints procedure.

Making a complaint to the council: