CAMPUS STUDENT POSSESSIONS: INSURANCE GLOSSARY

Any word defined below will have the same meaning wherever it is shown in your policy in bold print.

DEFINITIONS

We have listed the definitions in alphabetical order.

Accident / Accidental

This means a sudden, unexpected unusual specific event, which occurs at a definable time and place.

All Risks

Accidental loss of or damage to possessions anywhere in the Territorial Limits.

Bodily Injury

Is sustained by the insured person during the period of insurance is caused by an accident and occasions the disablement of the insured person within twelve calendar months from the date of the accident.

College / University

The University or College at which you are a full time student.

College Term

The weeks of full College academic activity as published by your College.

Desktop Computer Equipment

Your monitor, hard drive, mouse, keyboard, printer, and accessories up to €250 in total including preloaded computer software.

EXCLUSIONS

• Equipment used for Business purposes.
• Loss or damage resulting from any heating process.
• Consequential loss of any kind.
• Laptop and mobile computer equipment

Disablement

Means Disablement, which entirely prevents you from attending to major duties of your own studies.

Endorsement

A change of your details or cover, which appears on your Schedule and forms part of your Student Possessions Policy.

Excess

The amount, which you are responsible for paying in the event of a claim under your Possessions Policy.

If claims are made under two or more Sections for loss or damage resulting from the same cause at the same time, only one Excess will be deducted from the total amount of the claim payment.

If the amount of the claim is in Excess of the limit of the Sum Insured in respect of such claim the Excess will be deducted from such limit.

Forcible and Violent Entry

Forcible and violent entry or exit to or from your accommodation, which is evident by damage to the building at the point of entry/exit.

High Risk Items

Television, audio and video equipment, jewellery, articles of precious metal, clocks, watches, photographic equipment, furs, pictures, works of art, curios, collections, watches, mobile phones, portable electronic games' machines and personal organisers.

Laptop and portable computer equipment

Your portable monitor, hard drive, mouse, keyboard and preloaded computer software

EXCLUSIONS

• Palmtops, Electronic Organisers, Satellite Navigation Equipment, Portable Electronic Game Machines.
• Memory Sticks and Discs.
• Loss or damage resulting from any heating process
• Equipment used for business purposes
• Consequential loss of any kind

Money

Coins or bank notes in current circulation, cheques, traveller's cheques or banker's drafts. Postal or money orders gift vouchers current postage stamps that are not part of a stamp collection. Saving certificates, premium bonds or saving stamps. Luncheon vouchers, trading stamps, telephone cards, current travel or other tickets with a fixed monetary value all belonging to you.

EXCLUSIONS

• Securities, promotional vouchers, lottery and raffle tickets and Air Miles vouchers
• Money used or held for business purposes.

Off Campus

Privately Rented Accommodation

Occupied

The Term time Address is left Unoccupied for no more than 30 consecutive days

Period of Insurance

As shown in your Schedule.

Personal Possessions

All household goods and clothing belonging to you or household goods rented to you for which you are legally responsible under a written agreement making you responsible for insuring them.

EXCLUSIONS

• Caravans, boats, motor vehicles, trailers, vessels, aircraft, surf & sailboards and their respective parts or accessories
• Mobile phones their accessories and related costs
• Personal Audio Equipment & accessories
• Securities pr documents of any kind.
• Living creatures.
• Personal Possessions used for business purposes.
• Pedal cycles and accessories.
• Property more specifically insured by this or another policy.
• Desktop, Laptop or Portable Computer Equipment and accessories.
• Contact Lenses.
• Money and Credit/Debit Cards.

Possessions Policy

This comprises your signed Proposal Form, Internet Proposal Form, Policy Booklet, your Schedule and any endorsements.

Reasonable

Using sound or moderate judgement without making unfair demands.

Replacement Value

The cost of replacing items as new, except for clothing, household linen, rented household goods and college property on loan, where a deduction is made for wear and tear.

Schedule

The document detailing the sections of your Possessions Policy, which states your Sums Insured and any special terms, and conditions, which may apply.

Single Article Limit

The limit that applies to any individual item insured before toe deduction of any excess. For the purpose of this insurance sets or pairs of items are not regarded as single articles separately.

Sickness

Means your sickness, which declares itself during the period of insurance and causes your disablement within twelve months of declaring itself.

Sum Insured

The amount stated for each section as shown in your Schedule or notified to you at renewal.

Term time Address

The room or rooms occupied by you at the address stated on your Schedule.

Territorial Limits

The Republic of Ireland and Northern Ireland.

Unoccupied

Where you have not stayed in the insured / Term time Address for 30 consecutive days or more prior to a loss being discovered.

Vacation

Those periods between the end and the beginning of published College Terms.

Valuables

Any article of gold, silver or other precious metal, jewellery, pearls or gemstones. Watches or clocks. Works of art, pictures and curios. Collections of stamps, coins, bank notes or medals. Furs or leather jackets. Musical instruments.

We / Us / Our

Royal & SunAlliance. 13-17 Dawson Street, Dublin 2.

Registered in the Republic of Ireland No. 903697.

Royal & SunAlliance is a member of both the Insurance Ombudsman scheme and the Irish Insurance Federation.

Royal & SunAlliance Insurance plc. Registered in England and Wales No. 93792. Registered Office: St. Mark's Court, Chart Way, Horsham RH12 1XL.

Authorised and regulated by the Financial Services Authority and the Financial Regulator.

You / Your / The Insured

The person named as the Policyholder in your Schedule.