Home contents insurance scheme

Why do I need it?

South Ayrshire Council does 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 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)
  • Covers contents in sheds, outbuildings and garages (up to £2000)
  • 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
  • You don’t need to have special door or window locks
  • All postcodes are included

Who is this policy 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 Allianz Insurance plc. The cover is subject to the terms, conditions, limitations and exclusions contained in the Policy Wording, which you should read carefully.

Based on the information which has been provided to you if you are unsure whether this insurance policy is right for you please contact South Ayrshire Council.

How do I get further information?

If you’d like to apply for home contents insurance, you can do so by completing an application form or by calling South Ayrshire Council on 01292 612986. 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.

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.

Complaints process

Please view the Thistles complaints procedure. For additional information, view our complaints.

If you have a complaint relating to your policy, please contact the Allianz Customer Satisfaction Manager at:

Allianz Insurance plc
PO Box 10623
Wigston
LE18 9HJ
Phone: 0330 102 1781
Fax: 01483 529 717
Email: allianzretailcomplaints@allianz.co.uk

If you have a complaint about the administration of your insurance policy, please review our complaints page.

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 FRN 310419. Lloyd’s Broker. 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.