Insurance

Home insurance

Have you considered insurance for your content and personal belongings? 

Tower Hamlets Council has partnered with Thistle Tenant Risks to offer special Tenants Contents Insurance. The Crystal Insurance Scheme, also by Thistle Tenant Risks, is available to all tenants in social and affordable housing.

Whether you live in an apartment, flat or high-rise building, your landlord is responsible for insuring the building. However, your home contents and personal belongings are your responsibility. 

Under the terms of your tenancy agreement, you may be liable for the repairs to your home. How could such situations arise?

• If the neighbour upstairs left the bath running or if they had a burst pipe and the water caused damage to your decorations it would be your responsibility to redecorate your home.

• If you had your keys stolen, you may have to pay for the cost of replacing the locks. 

• If a window was accidentally broken you may be liable for the replacement cost of the window. 

The Crystal Insurance Scheme offers cover for these risks and more. 

Not only can the policy protect you against those events that as a tenant you may be affected by and financially responsible for, but it can also cover your home contents against perils such as fire, theft, water, and malicious damage. 

Optional extensions are available for an additional premium; you can include, Extended Accidental Damage, Personal Possessions (cover away from the home), and cover for Wheelchairs and Hearing Aids. 

Limits and exclusions apply, a copy of the policy wording is available to download. 

The Crystal Insurance Scheme was designed for tenants in social housing, and you can pay premiums cash fortnightly or monthly, monthly by direct debit or annually. (Fortnightly and monthly premiums include a transaction charge).

For more information or to get a quote download and complete the insurance application form. 

Phone Thistle Tenant Risks on 0345 450 7286. 

Visit Crystal Insurance for more information.  

Before completing the application form, please review the Thistle Insurance Services Terms of Business Agreement  and Insurance Product Information Document. These documents give you essential information on your rights 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. 

Leaks from another flat

If you experience a leak from another flat, tell us as soon as possible. We will investigate and take the appropriate action to stop the leak.

If the leak is coming from a tenant’s flat, we will arrange for the repair to be carried out to stop the leak. If the leak is coming from a leaseholder’s flat, we will contact the other leaseholder and ask them to carry out the necessary repairs.

In some circumstances where there are leaks between two leasehold properties, the leaseholder may be able to make an individual claim on the building insurance policy to cover damages to any ceiling or wall decorations caused by the leak.