Welcome to Thistle Insurance Services

Providing specialist insurance since 1938

About us

Established in 1938, Thistle Insurance Services has a wealth of experience and expertise in niche and specialist insurance sectors, developing and offering products for leisure and lifestyle, commercial, professional risks and wholesale markets. Working with sole traders, retailers, wholesalers, contractors, manufacturers, charities and niche trade areas, we also deliver to consumers, SMEs and not-for-profit organisations while partnering directly and through partners, associations, brokers and affinity groups. Whatever your hobby or profession, our products have been designed to meet the needs of customers wishing to purchase flexible, tailor-made insurance policies.

Our products

Lifestyle and leisure

Developed by Thistle Insurance Services, our Guardcover suite of products have been providing specific insurance within the leisure and lifestyle sectors for over 20 years ranging from pet care, music, cycling and photography.

Built on a reputation of understanding the needs of our customers, Guardcover aims to deliver great service to provide support through the insurance journey. Whether it's entering triathlons, playing gigs, owning a property portfolio, or on a golf or photography holiday - you can do more than ever. The more fulfilling and rewarding our interests become, the more expensive it tends to be to keep up. The Guardcover range from Thistle Insurance Services is here to help provide the insurance you need for the things you're serious about.


Our Unoccupied Property insurance product has been part of the Thistle Insurance Services portfolio for over 20 years. Part of the Guardcover range, our Unoccupied Property insurance caters for most types of property whether it's a private house or flat, small commercial property, or even if it's just land that needs to be insured. If a property you're responsible for is left unoccupied for more than 30 days, whether it's a gap in tenancy, being renovated, in probate or intestate, or even going through the conveyancing process, it's likely that cover will be restricted on a standard home insurance policy.

Thistle Tenant Risks provides affordable home contents insurance for tenants living in registered social landlord and local authority properties. Tenant Risks work with in excess of 700 Local Authorities and Housing Associations and also manage the ‘My Home’ and ‘Crystal Insurance Scheme’ brands in Wales and Scotland.

Who are PIB Group?

Thistle Insurance Services was acquired by PIB Group in December 2016. A diverse company, PIB operates as a broker serving SME clients and a range of affinity schemes. It distributes an assortment of online niche products and operates as an Managing General Agent offering insurance solutions to over 1,000 UK brokers.