Home contents insurance for council tenants

Why do I need it?

West Lancashire Borough Council does not cover your home 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 procured Thistle Tenant Risks who provide specialist tenants contents insurance policies. The scheme is a specialist insurance scheme provided by Thistle Tenant Risks and all tenants living in social and affordable housing are eligible to apply.

The 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

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

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 Ageas Insurance 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 please contact us on 01695 585047.

How do I get further information?

If you would like to apply for home contents insurance, please save and complete the our application pack. To save the application pack to your device please right click on the link below and select the Save Link/Save Target As option.

If you are unable to download the application for please email insurance_services@westlancs.gov.uk and an application pack can be emailed directly to you.  Alternatively please telephone 01695 585047 and we will be able to set up your policy over the telephone.

Prior to completing the application form, please review the

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.

Making a payment on line

Please note that when making a payment on line the invoice/reference number is your six figure policy number. Make payment on-line

Making a Claim

If you wish to make a claim on your policy please telephone Ageas Insurance directly on 0345 165 5768 and they will advise you of the next steps.

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 complaint’s procedure is available here Download Thistle's complaints procedure (PDF 200KB). For additional information, view our complaints page here West Lancashire Borough Council's Complaints Process

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. 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.


Privacy Notices

Thistle Insurance Services Data Protection Privacy Policy is online at https://www.thistleinsurance.co.uk/Privacy-Policy 

For information on what to expect when the Council's insurance section collects or is provided with personal information, please see the Council's Corporate Privacy Notice (PDF 416KB)