Crystal home contents insurance

Thirteen does not cover your contents as part of your tenancy agreement. It’s a good idea to consider what a home contents insurance policy would cover 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.

Crystal home contents insurance

Thirteen has teamed up with Thistle Tenant Risks who provide specialist tenants contents insurance policies. The Crystal Insurance Scheme is a specialist insurance scheme provided by Thistle Tenant Risks and all tenants living in social and affordable housing are eligible to apply.

Crystal 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 Crystal Insurance scheme

  • apply over the telephone or complete an application form
  • 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 £2,000 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
  • you don’t need to have special door or window locks (just a lockable front door)
  • flexible regular pay-as-you-go payment options (fortnightly and monthly premiums include a transaction charge).

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 buy home contents insurance and Thistle has 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.pdf, which you should read carefully.

If you're unsure whether this insurance policy is right for you please contact Thistle Tenant Risks.

How do I get further information?

If you’d like to apply for home contents insurance, you can:

Before completing the application form, please review the Thistle Insurance Services Terms of Business Agreement.pdf and Insurance Product Information Document.pdf.

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 all Tenant Risks business 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

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 the procedure.

A copy of Thistle Insurance Services complaints procedure is available on request. For more information, please see the Crystal Insurance complaints webpage.

The Crystal Insurance Scheme is a product name arranged and administered by Thistle Tenant Risks a trading style of Thistle Insurance Services Limited. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority FRN 310419. Registered in England under No. 00338645. Registered office: Rossington's Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Thistle Insurance Services Limited is part of the PIB Group.

For information about what Crystal Insurance does with personal data, please see their Privacy Policy webpage.