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Cover Levels & Benefits

Policy Benefits

How Much Am I Insured For?
Your personal possessions are insured inside of your accommodation for up to £7,000 in total (which is extended to £8,000 if you are registered as disabled). In addition a further £2,000 cover is provided for computer equipment (including laptops) within your accommodation.

What Is Covered:

Personal possessions - up to £7,000 in total.
Computer equipment - up to £2,000 in total.
In direct transit at the beginning and end of each university term - up to £7,000.
In university designated storage during vacations - up to £7,000, for theft from forcible entry.
University property on loan - up to £500.
Replacement locks & keys - up to £350, following damage resulting from burglary.
Rented household goods - up to £1,250.
Personal money - up to £50, for theft from your room following forcible entry.
Credit/debit card fraud - up to £500, following theft from your room following forcible entry.
Personal accident - up to £10,000, on a scale of benefits.
Accidental death or redundancy of a financially supporting parent or guardian - up to £5,000.
Legal liability - up to £1,000,000 for injury to others or damage to their property.
Food spoilage - up to £75, following mechanical failure of fridge/freezer.
Damage to clothing- up to £300, for damage caused by faulty laundry equipment.
Landlord's property - up to £5,000 for theft or damage.
Mobile phone - up to £500, for theft following forcible entry.
Personal possessions from communal areas - up to £1,000.
Musical instruments - up to £600, following theft from forcible entry.
Contact lenses - up to £150.

Important: You may need to extend the basic policy cover to protect your valuable items such as your mobile phone, laptop, tablet, iPod, bicycle etc. if you are taking them out and about. You can view the optional extensions available to you by looking at Top Up Covers.

Policy Exclusions

We strongly recommend that you read the policy wording document to see a full list of the terms and conditions that apply to your policy with us. These can be downloaded from the Policy Documents / Claims tab.

What Is Not Insured:

The policy excess:
- Food spoilage: The first £10 of any loss.
- Computer equipment: The first £50 of any loss.
- Mobile phones: The first £75 of any loss.
- All other sections: The first £25 of any loss.
Theft from vehicles (except where attended during transit at the beginning and end of term).
Pedal cycles (unless basic cover is extended).
Cover outside of your accommodation (unless basic cover is extended).

Maximum Amounts Payable
The following categories of items are subject to a maximum amount payable during the period of insurance.

Personal possessions single item limit - up to £1,250.
Computer equipment - up to £2,000 in total.
Clothing single item limit - up to £350.
Audio equipment - £1,000 in total.
TV, games consoles, video and DVD players - up to £1,000 in total.
Photographic equipment, video cameras and camcorders - up to £1,000 in total.
Sports equipment - up to £1,000 in total.
Jewellery, watches and other valuables - up to £600 in total.
Music, video, DVD, software and other data carrying media - up to £1,000 in total.

Your Duty of Care
You must, at all times, take all reasonable steps to prevent accidents, loss and damage.

Policy Documents

Policy Documents
If you purchase a Top Up Cover to your Blockhalls Insurance from Cover4Students, we will send you an email confirming your purchase of cover and provide you with your personal policy schedule, policy wording and key facts documents.

You will also have the option for a printed copy to be sent via post subject to an additional postage premium being paid.

We also provide the option below for you to view and download the Master Policy Schedule, Policy Wording and Key Facts documents so that you can view prior to purchase or at any time after.

How to view the policy documents
The policy documents are available as PDFs. To view these documents you will need a PDF reader. Download Adobe Reader from the Adobe website or visit Access Adobe for help.
To view your documents, please click on the links below.

Policies between September 2016 - August 2017

Master Policy Schedule (239 KB)

Policy Wording (279 KB)

Policy Summary (302KB)

Policies between Sept 2015 - August 2016

Master Policy Schedule (239 KB)

Policy Wording (279 KB)

Policy Summary(302KB)

How to Claim

Full details of how to make a claim can be found in your policy wording or on our How to Make a Claim page. To start the claims process, please complete the UK Claims Form provided below.

Fill out the online claims form here: Claims Form

You can contact the claims department on:0161 974 1101

Before submitting your form please read your policy schedule to make sure you have a valid claim and you're covered.

You can send your completed form in the post:

Cover4students Claims Team,
Stream Claim Solutions,
60 Spring Gardens,
Manchester,
M2 2BQ

Optional Extensions

Our range of top ups allow you to insure the items that are most important to you.
By offering a range of top ups you have the flexibility to chooses the covers that are most important to you, whether that is to add cover for a mobile phone or musical instruments or you just want cover for items outside your accommodation we have an option to suit you. The additional cover options available are listed below:

Policy Benefit	Included	Upgrade up to
Personal Possessions	£7,000	£14,000
Computer Equipment	£2,000	£4,000
Course Fees and Rent Cover	No	£20,000
Criminal Assault	No	£500
Accidental Damage	No	£7,000
Legal Expenses	No	£30,000
Mobile Phones \| Anywhere within the UK	No	£1,000
Pedal Cycles \| Anywhere within the UK	No	£1,000
Digital Download	No	£1,000
Exam and Coursework Cover	No	£250
Orchestral Instruments \| Anywhere within the UK	No	£3,000
Musical Instruments \| Anywhere within the UK	No	£3,000
Specified Items \| Anywhere within the UK	No	£3,000
Unspecified Items \| Anywhere within the UK	No	£1,000
Excess Protection Insurance	No	£1,000
Specified Items \| Anywhere within the UK	No	£3,000
Unspecified Items \| Anywhere within the UK	No	£1,000
Extra Covers For International Students
International Student Repatriation Cover \| Burial Costs Or Body Repatriation	No	£3,000
International Student Repatriation Cover \| Emergency Repatriation Of The Insured	No	£5,000

Please note that your policy will expire when you move out of your student accommodation or on the 03/09/2017, whichever is sooner. Any extensions you make will also expire with the master policy.

Other Student Insurance

Mobile Phone
Low cost insurance for your mobile phone up to £1,000 inluding iPhones, Blackberrys or other Smart Phones
Get a Quote

Study Abroad Travel Insurance
Covers Medical Expenses up to £10million, Personal Possessions up to £2,000, Cancellation up to £3,000 and also includes up to 2 return trips to the UK at no extra cost.
Get a quote

Gadget Insurance
We can provide cover for up to 5 gadgets on 1 policy covering everything from iPods to iPhones in one place include 90 day worldwide cover.
Get a Quote

Course Fees & Rental Protection
Cover up to £20,000 for the reimbursement of non-refundable course fees and/or rent.
Get a Quote

Pedal Cycles
Cover your pedal cycle up to £3,000 against theft or accidental damage. So if you bike is your preferred mode of transport to and from university be smart and get it covered.
Get a Quote

Musical Instruments
Cover from £300 - £3,000 for all your musical instruments such as guitars, drums, keyboards.
So if you studying music or playing for fun ensure you have your valuable instrument covered.
Get a Quote

Orchestral Instruments
Cover up to £3,000 for your orchestral instruments such as brass, woodwind, stringed instruments and non-electrical pianos
Get a Quote

Travel Insurance
Student travel insurance for single trips, gap year travel, backpackers or wintersports holidays.
Get a Quote

Car Insurance
Car Insurance for young drivers- by using the telematics technology we could save you £100s or maybe even £1,000s compared to non-telematics insurance products.
Get a Quote

Not in Halls?

If you are a student at London School of Economics and Political Science but won't be living in accommodation managed by them this year, you won't be covered by this scheme.

However, we're offering a 10% off our Student Possessions Insurance for London School of Economics and Political Science students who are living in private accommodation. Just click on the link below where the 10% discount will be applied:
10% OFF STUDENT INSURANCE

If you're a former London School of Economics and Political Science student or have graduated and would still like cover for your personal possessions and contents, we can also offer 10% off our tenant insurance. Just click the link below for a quote, the discount will be applied automatically:
10% OFF TENANTS INSURANCE