Sign In

My Neighbourhood

Use your postcode to find local councillors, facilities, school catchment areas and more.

Find facilities in my area

Cardiff Council

Low cost home contents insurance

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

You should consider what a home contents insurance policy would cover you for, so you can 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 is always a risk that your belongings could be broken, damaged or stolen.

About the Home Contents Insurance Scheme

The Home Contents Insurance Scheme is a specialist insurance scheme for social housing tenants. Cardiff Council tenants are eligible to apply for the scheme. However, you will not be eligible to apply if you are renting temporary accommodation or a furnished property.

The scheme can offer you insurance for the contents of your home. Some types of items that would be covered are:
  • Furniture
  • Carpets
  • Curtains
  • Clothes
  • Bedding 
  • Electrical items
  • Jewellery 
  • Pictures
  • Ornaments 
Cover is subject to the terms, conditions, limitations and exclusions contained in the Home Contents Insurance Scheme Policy Booklet. Thistle have approached a single insurer Aviva Insurance Limited to provide this cover.

If you are unsure whether this insurance policy is right for you please contact us on 029 2053 7382.

Benefits of the scheme

  • No excess to pay if you make a claim.
  • Theft, water damage, fire and other household risks are included.
  • Tenants improvements are covered. This is up to £2000 or 20% of the sum insured, whichever is greatest.
  • Theft or attempted theft of contents in sheds, outbuildings and garages is covered. This is up to £2000.
  • Damage to external glazing is covered.
  • Replacement and installation of locks for outside doors and alarms if keys are lost or stolen is covered.
  • You do not need to have special door or window locks, just a lockable front door.

How much does the scheme cost

  • Premiums start from 74​​p a week for tenants aged under 60 for £8,000 sum insured.
  • Premiums start from 56p a week for tenants aged under 25 or aged 60 and over for a £6,000 sum insured.
Cover for extended accidental damage is available for an additional premium. Please read the application pack for more information.

How to apply

If you would like to apply you can fill out an application form:

​If you would like to request a paper application pack please contact us on 029 2053 7382.

Before completing an application, please read the Important Customer Information Booklet and Insurance Product Information Document​.


Please note: The insurance policy we provide is arranged on a non-advised basis. You will be provided with 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 or concerns you should follow the complaints procedure for Thistle Insurance Services. This document explains how you can submit a complaint to Thistle Insurance Services.

If you would like to complain to the council, you can visit our comments, complaints and complements​ 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. 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.

© 2022 Cardiff Council