As your landlord, we cover the buildings insurance for your home, but under the terms of your tenancy you are responsible 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 belongings from incidents such as fire, theft, water damage, and many more household risks, giving you peace of mind.
Find out about:
- what does our tenants home contents insurance cover?
- why choose Pay As You Go Home Contents Insurance?
- how to apply and how much it will cost
- what to do if you have a complaint
What does our tenants home contents insurance cover?
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 and policy wording documents below.
If you are unsure whether this insurance policy is right for you, please contact Thistle Tenant Risks who will be happy to help with your queries.
Why choose our Pay As You Go Home Contents Insurance?
- no excess (you don't 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 that you are responsible for
- 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 don't need to have special door or window locks, as long as your outside door locks that is fine
How to apply for home contents insurance, and how much it will cost
You can complete the application form below, which includes additional information and premiums.
Before applying, please also read the customer information document which provides important information about your rights, how we manage your insurance, and key details about the insurance.
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.
The scheme is very easy to join – you can just call 01246 345467 or email insurance@chesterfield.gov.uk for more information.
All relevant documents can be found at the bottom of this page.
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.
A copy of Thistle Insurance Services complaint’s procedure is available below.
Chesterfield Borough Council is 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.
| Application pack |  (PDF 263 KB) |
| Policy wording | (PDF 398 KB) |
| Important customer information | (PDF 121 KB) |
| Insurance Product Information Document | (PDF 44 KB) |
| Thistle Complaints Policy | (PDF 118 KB) |