Partners

Thistle

We are supported by, and work with, a huge range of organisations. Principal amongst these is our relationship with Thistle Tenant Risks.

Thistle Tenant Risks Home Contents Insurance

EVH is proud to be partnered with Thistle Insurance Services, delivering insurance and risk solutions that support financial resilience, operational confidence and long-term value across the sector.

Thistle Tenant Risks provides home contents insurance designed specifically for tenants and residents living in social housing. Their flexible schemes help protect tenants against a wide range of risks, at no cost to you as a member.

With over twenty years’ experience in the social housing sector, Thistle Tenant Risks has developed tenant contents insurance schemes in partnership with more than 700 housing associations and local authorities.

Benefits of home contents insurance

Home contents insurance helps cover the cost of replacing items that have been damaged by events such as fire, theft or accidental damage.

Without insurance, replacing essential items can be costly. Having cover in place offers reassurance that, if the unexpected happens, belongings can be repaired or replaced*.

Key cover benefits for tenants and residents

  • No excess – tenants and residents do not pay the first part of any claim.
  • The policy covers loss or damage to contents caused by specific events such as theft, water damage, fire and many more common household risks.
  • Tenant’s liability - cover up to 35% of the contents sum insured for damage to the landlord’s fixtures and fittings which the tenant is legally liable for. (There is no cover if the home is unoccupied for more than 60 consecutive days.)
  • Covers theft or attempted theft of contents in sheds, outbuildings and garages that form part of the home, up to £3,000.
  • Covers damage to external glazing for which the tenant is responsible for.
  • The policy covers up to £500 for replacement and installation of locks for outside doors or windows and alarms if your keys are lost or stolen.
  • No requirement for special door or window locks - as long as your outside door locks, that is acceptable.

Terms, conditions, limits and exclusions apply. For more information about the policy, please contact Thistle Tenant Risks using the details below.

Flexible schemes for housing providers

Thistle understands that every housing association is different and offers flexibility in how partnerships are structured and policies are administered.

They offer two simple ways to deliver insurance to your tenants:

With Rent Scheme

  • Managed by the housing provider.
  • Tenants can choose to include insurance with, or alongside, their rent.
  • Premiums collected alongside rent.
  • Full control over the customer journey.
  • Scheme administration manual provided to support the day-to-day running of the scheme.

Arm’s Length Scheme

  • Thistle manages administration and payments.
  • No additional workload for housing staff.
  • Includes marketing and tenant engagement support.

Support for housing associations

Thistle Tenant Risks can provide marketing support specifically designed to help increase take up of insurance among your tenants and residents, including:

  • Ready to use website, newsletter and social media content.
  • Adverts and flyers.
  • Tenant call back service.

How tenants can apply

Tenants and residents can get a quote or apply for cover by:

Calling the Thistle Tenant Risks Team on 0345 450 7286.

Visiting https://www.thistletenants-scotland.co.uk/ to get a quote and purchase cover online (if paying by Direct Debit).

Requesting a call back at https://www.thistletenants-scotland.co.uk/call-back.

Contact details

For more information on the Thistle Tenant Risks scheme and how it can benefit you and your tenants, please contact:

Ann Park, Account Executive - 07436 244061Dean Seager, Senior Sales Executive - 07833 508273

Matthew Whatmoor Cooke, Account Executive - 07954 142371

Sally Alvey, Product Manager - 0113 733 3951

Alternatively, you can email tenantscontents@thistleinsurance.co.uk.

* Please remember cover is subject to the terms, conditions, exclusions and limitations.

EVH is not authorised to advise on or arrange insurance and is not acting as agent for tenants or for Thistle Tenant Risks. All enquiries and applications are dealt with directly by Thistle Tenant Risks / its authorised representatives.

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 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.

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

We also work with ACS Physical Risk Control which provides third party services to EVH members as part of their service level agreement. Our colleagues at Rowan Consultancy provide counselling services to staff working within EVH member organisations. We are also happy to support the aspirations of the Working Families organisation, and in particular their aim of encouraging employers to be discuss flexible working.