Insurance For Student Contents F.A.Q's
Instant cover can be arranged online or by phoning us on the number below.
Whichever way you choose to take out your policy, as soon as you've paid, you're instantly covered.
BUY ONLINE
BUY STUDENT POSSESSIONS INSURANCE SECURELY ONLINE AND SAVE £2·50**
Save money on your Student Possessions Insurance by buying securely online. Get instant cover online and pay no administration fees.
Annual premiums start from only £17·50*** online
PHONE US: 0161 772 3390*
* For our joint protection calls may be monitored and/or recorded. Calls will cost 7p plus your phone provider's price per minute charge. Telephone lines are open Monday to Friday 9:00am - 5:00pm excluding public holidays.
**Telephone purchases are subject to an administration fee of £5.
*** £17·50 annual premium includes Insurance Premium Tax and is only available online. Premium is based on Basic Cover whilst living in a Halls of Residence, with a sum insured of £2,000.
Basic cover provides you with essential protection.
| Cover Description | Sum Insured | Basic Cover |
|---|---|---|
| Personal Possessions Within The Insured Address | £2,000-£14,000 | Included |
| Desktop Computer Equipment | Item Limits Apply | Included |
| Credit/Debit Cards | £500 | included |
| Personal Money | £50 | Included |
| College | University Property On Loan | £250 | Included |
| Landlords Property | Tenants Liability | £5,000 | Included |
| Accidental Death or Redundancy Of A Financially Supporting Parent Or Guardian | £5,000 | Included |
| Legal Liability | £1,000,000 | Included |
| Replacement Locks and Keys | £50 | Included |
| Liability For Rented Household Goods | Item Limits Apply | Included |
- Covering your personal possessions within the insured address up to a maximum of £14,000 on a "new for old" basis against loss or damage by fire, flood, storm, theft, escape of water and other similar causes (except clothing, linen and rented household goods where a deduction is made for "wear and tear").
Cover also automatically includes:
- Desktop Computer Equipment: Cover included automatically. Item limits apply (excludes accidental damage cover unless optional extension is taken).
The level of Desktop Computer Equipment cover is determined by the total sum insured.
| Sum Insured | Desktop Computer Equipment Cover |
|---|---|
| £2,000 | £500 |
| £4,000 | £750 |
| £6,000 | £1,000 |
| £8,000 | £2,000 |
| £10,000 | £2,500 |
| £12,000 | £3,000 |
| £14,000 | £3,500 |
- Credit & Debit Card Cover up to £500.
Cover for fraudulent use of your credit & debit cards following theft from your insured address as a result of forcible and violent entry. - Personal Money Cover up to £50
Cover for theft of personal money following forcible and violent entry to the insured address. - College | University Property On Loan up to £250
Covers college/university library books and property you have on loan whilst:- At your insured address
- At home, or
- In transit between the two.
- Landlords Property | Tenants Liability up to £5,000
Cover for theft or fire damage to your landlord’s property for which you are legally liable. - Accidental Death or Redundancy of a Financially Supporting Parent Or Guardian up to £5,000
Provides finance allowing you to finish your course following:- Accidental death or redundancy; or
- Accidental bodily injury or illness;
- Legal Liability Cover up to £1,000,000
For amounts you become legally liable to pay in respect of accidental bodily injury and damage to property.
Basic Cover can be extended to include any of the following items:
| Cover Description | Sum Insured |
|---|---|
| Laptop & Portable Computers | Room Only | £500 - £3,500 |
| Laptop & Portable Computers | Anywhere Within The UK | £500 - £3,500 |
| Accidental Damage | Item Limits Apply |
| Accidental Damage to Landlords Property | Tenants Liability | £10,000 |
| Course Fees & Rental Protection | £4,000 - £20,000 |
| Mobile Phones | Cover Anywhere Within The UK | £250 - £1,000 |
| Pedal Cycles | Cover Anywhere Within The UK | £250 - £3,000 |
| Musical Instruments | Cover Anywhere Within The UK | £300 - £3,000 |
| Photographic Equipment | Cover Anywhere Within The UK | £100 - £5,000 |
| Personal Accident & Criminal Assault | £10,000 - £50,000 |
| Vacation Cover | £3,500 |
| Legal Expenses | £30,000 |
| DIgital Download Cover | £1,000 |
| Examination & Coursework Cover | £250 |
| Excess Protection Insurance | £125 - £1,000 |
| Specified Items | Anywhere within the UK | £1 - £1,000 |
| Unspecified Items | Anywhere within the UK | £1 - £1,000 |
| International Student Repatriation Cover | £5,000 |
| Study Abroad | Cover Whilst Studying Outside The UK Please note: There is no cover for any pre-existing medical conditions. | £5,000 |
- Vacation Cover up to £3,500
Cover for personal possessions at your insured address whilst you’re away during holidays.
Please note: Vacation cover is automatically included whilst you are living in university designated, halls of residence. - Course Fees and Rental Protection cover up to £20,000.
Cover for the reimbursement of non-refundable course fees and / or rent paid under a signed rental agreement if you are temporarily totally disabled as a result of:- Death of the insured
- Sickness or accidental bodily injury which results in your disablement and you are unable to remain in your accommodation.
- Criminal Assault cover up to £500
For costs incurred to you as a direct result of a criminal assault on you. - Legal Expenses cover up to £30,000
Cover for Legal Expenses, covering disputes in relation to:- Personal Injury
- Consumer Protection
- Employment
- Accidental Damage cover.
Cover accidental damage to audio equipment, camera equipment, computer equipment, games consoles, televisions, video and DVD players within the insured address. Please note that Single Item/Group Limits apply – Please see table below
Single Item/Group Limits
1) Audio Equipment; 2) TV, Video & DVD Players; 3) Photographic Equipment, Video Camera’s & Camcorders; 4) Jewellery, Watches & Other Valuables; 5) Music, Video, DVD, Software & Other Data Carrying Media (£250 In Total) 6) Desktop Computer Equipment
| Sum Insured | Single Item/Group Limits |
|---|---|
| £2,000 | £500 |
| £4,000 | £750 |
| £6,000 | £1,000 |
| £8,000 | £2,000 |
| £10,000 | £2,500 |
| £12,000 | £3,000 |
| £14,000 | £3,500 |
- Accidental Damage To Landlords Property | Tenants Liability up to £10,000.
We will pay, at our discretion direct to the landlord, up to the a mount shown in your schedule, for sums which you become legally liable to pay as damages under the terms of a formal tenancy agreement in respect of:- Your landlord’s household goods, furniture and furnishings within the insured address being damaged by:
- fire
- explosion, lightning or earthquake
- smoke
- storm or flood
- escape of water from any washing machine, dishwasher, refrigerator or freezer, fixed domestic water or heating installation
- theft or attempted theft, or
- accidental damage.
- Accidental damage to your landlord’s:
- fixed glass
- sanitary ware, and
- ceramic hobs in fixed kitchen appliances.
- household goods, furniture and furnishings.
- Accidental damage to drains, pipes, cables and underground tanks providing services to or from the insured address.
- Your landlord’s household goods, furniture and furnishings within the insured address being damaged by:
- Personal Accident cover up to £50,000.
The section provides a specified monetary benefit if you sustain injuries resulting from an accident within the United Kingdom which directly results in your death or disablement within 12 months of the accident. - Laptop & Portable Computers | Room Only up to £3,500
Cover for your laptop & portable computer equipment at your insured address against loss or damage by fire, flood, storm, theft, escape of water and other similar causes. - Laptop & Portable Computers Equipment | Anywhere Within The UK up to £3,500
Covers for your laptop & portable computer equipment outside of the insured address for accidental damage or theft anywhere within the United Kingdom. - Specified Items | Anywhere Within The UK cover up to £1,000
Covers for specified items outside of the insured address for theft or accidental damage occurring anywhere within the United Kingdom (excluding Mobile Phone, Laptop & Portable Computers, Pedal Cycles, Musical and Orchestral Instruments which can be insured under separate optional extensions). - Mobile Phones cover up to £1,000
Covers for accidental damage, accidental loss and theft occurring anywhere within the United Kingdom. Cover also includes up to £250 for unauthorised calls if the phone is stolen. - Pedal Cycles cover up to £3,0000
Covers for theft or accidental damage occurring anywhere within the United Kingdom. - Digital Download cover up to £1,000
Cover for the cost of replacing digital downloaded pictures, movies, ring tones, real tones and music that you have paid for following the loss of computer equipment, MP3 / MP4 player, PDA, Smart phone or Hard Drive failure. - Examination and Coursework cover up to £250
Covers to re-sit exams or reproduce coursework as a result of:- A burglary at the insured address;
- The insured address being uninhabitable following a specified event;
- Accidental death of a parent or guardian resident in the UK.
- Musical Instruments cover up to £3,000
Cover for your musical instruments against theft, accidental damage or loss occurring anywhere within the United Kingdom.
We also pay the costs up to £100 of hiring a temporary replacement whilst the insured item is being replaced.
- Unspecified Items | Anywhere Within The UK cover up to £4,000
Cover for specified items outside of the insured address for theft or accidental damage occurring anywhere within the United Kingdom. - Photographic Equipment cover up to £5,000
This section covers your photographic equipment up to £5,000 for theft, accidental loss or accidental damage occurring anywhere within the United Kingdom.
Cover also includes:- Public Liability up to £1,000,000
- Photographic Equipment Accessories up to £150
- Replacement Photographic Equipment Hire up to £800 (£200 per week)
- Coursework / Photographic Portfolio Cover up to £250
Standard Single Item & Group Limits.
Item and group limits are determined by the possessions sum insured.
- Audio Equipment.
- TV, Video & DVD Players.
- Jewellery, Watches & other valuables.
- Music, Video, DVD, Software & other data carrying media (£250 in total).
- Desktop Computer Equipment.
| Sum Insured | Single Item/Group Limits |
|---|---|
| £2,000 | £500 |
| £4,000 | £750 |
| £6,000 | £1,000 |
| £8,000 | £2,000 |
| £10,000 | £2,500 |
| £12,000 | £3,000 |
| £14,000 | £3,500 |
Optional cover extensions are limited to the amount shown in your policy schedule for each particular cover section.
PRINCIPAL EXCLUSIONS
- Excess for all sections unless stated below is £10
- Landlords Property Tenants Liability (Accidental Damage Claims Only) is £100
- Pedal Cycles Valued Over £1,000 is 10% Of The Pedal Cycle Value
Please note: no excess applies to replacement pedal cycle hire claims - Photographic Equipment Valued Over £1,000 is 10% Of The Photographic Equipment Value
Please note: no excess applies to replacement photographic equipment hire claims - International Student Repatriation Cover is £75
- Study Abroad | Cover Whist Studying Outside Of The UK is £100
Please note: no excess applies to Hospital Benefit or Burial Costs/ Body Repatriation Claims - Theft from unattended vehicles.
- Damage to sports equipment whilst in use.
- Mobile phones, Pedal Cycles, Laptop & Portable Computers, Musical unless specifically insured.
- Cover away from the insured address unless specifically insured.
- Items used for business purposes.
- Contact Lenses.
Yes. Tenant's liability for the landlords property is covered automatically.
The policy come with an automatic cover of up to £5,000, for fire, theft and flood and can be extended to include, accidental damage to the landlord's furniture, fixtures and fittings up to £10,000.
Yes. There is a limited amount of accidental damage to the lanlord's property included for fixed glass, sanitary ware, and ceramic hobs in fixed kitchen appliances.
Optional cover, up to £10,000, available to insure against fire, theft, flood and accidental damage to the landlord's fixtures, furniture and fittings.
No. The basic cover does not include cover for laptop or portable computers as standard.
Optional extensions are available in order to cover your laptop & portable computer equipment.
- You can choose to insure laptop or portable computers for accommodation only or
- Anywhere within the UK.
Accommodation Only:
Provides cover for your laptop for the standard perils (fire, flood, storm, theft, escape of water and other similar causes) whilst within your insured address up to a maximum of £3,500.
Anywhere Within The UK:
Provides cover for your laptop or portable computer equipment against accidental damage or theft anywhere within the United Kingdom up to a maximum of £3,500.
No, basic cover does not include cover for mobile phones. An optional extension for mobile phones is available.
If selected, your mobile phone is covered against accidental damage or theft whilst anywhere within the United Kingdom - up to a maximum of £1,000.
If you just require student mobile phone insurance, we have a standalone student insurance product that can cover mobile phones for up to a maximum of £1,000.
If you require cover for a mobile phone outside of the United Kingdom, then please see our separate standalone Mobile Phone Insurance product.
This separate product can cover a mobile phone up to £1,000 and includes 45 days worldwide cover per annum as standard.
Click Here for more info
No, you can only insure mobile phones that were purchased with the UK.
No. The basic cover does not include cover for your possessions outside of your accommodation.
You can purchase optional extensions to cover items outside of your insured address such as:
- Specified Items | Cover Anywhere Within The UK:
Cover specified items outside of the insured address for theft or accidental damage occurring anywhere within the United Kingdom (excluding Mobile Phone, Laptop & Portable Computers, Pedal Cycles, Musical and Orchestral Instruments which can be insured under separate optional extensions). - Unspecified Items | Anywhere Within The UK
Cover for specified items outside of the insured address for theft or accidental damage occurring anywhere within the United Kingdom excluding Mobile Phone, Laptop & Portable Computers, Pedal Cycles, Musical and Orchestral Instruments which can be insured under separate optional extension.
Important: No single item in this section can be valued more than £250
- Laptop & Portable Computers Equipment | Anywhere Within The UK up to £3,500
Covers for your laptop & portable computer equipment outside of the insured address for accidental damage or theft anywhere within the United Kingdom. - Mobile Phones| Cover Anywhere Within The UK
Cover for accidental damage, accidental loss and theft occurring anywhere within the United Kingdom. Includes cover up to £150 for unauthorized calls if the phone is stolen. - Pedal Cycles | Cover Anywhere Within The UK
Cover for theft or accidental damage occurring anywhere within the United Kingdom. - Photographic Equipment cover up to £5,000
This section covers your photographic equipment up to £5,000 for theft, accidental loss or accidental damage occurring anywhere within the United Kingdom.
Cover also includes:- Public Liability up to £1,000,000
- Photographic Equipment Accessories up to £150
- Replacement Photographic Equipment Hire up to £800 (£200 per week)
- Coursework / Photographic Portfolio Cover up to £250
- Musical Instruments | Cover Anywhere Within The UK
Cover for your musical instruments against theft, accidental damage or loss occurring anywhere within the United Kingdom.
We also pay the costs up to £100 of hiring a temporary replacement whilst the insured item is being replaced.
No — Your keys and locks are only currently covered for damage to an external door following burglary.
If you require cover for lost or stolen keys (including car keys) you will need to purchase additional cover via our Keyprotect product.
Yes. The security of your personal and financial details is of paramount importance to us, and as such we use the strongest available security systems to protect your communications with us.
HOW WE PROTECT YOUR DATA
Whenever you fill in an online form, such as a request for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:
SSL PREVENTS IMPERSONATION
You can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on the padlock will reveal our Registration Certificate that is issued by Digi Sign Limited, a leading Internet security company.
SSL ENCTYPTS DATA
As soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
SSL PREVENTS SCRAMBLING
SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.
All the information that we hold about you is protected by firewalls and a wide range of IT security measures.
For all claims except Legal Expenses claims:
Please fill in a claims form: Claims Form
- Cover4students.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4students.com at the following address:Cover4students Claims Team,
Stream Claims Services,
Copthall House,
King Street,
Newcastle under Lyme, ST5 1EL.
Telephone: 0161 974 1101 - Check your policy to ensure that the cause of the loss or damage is covered. Your schedule will show which cover sections are operative.
- Please include the following details:
- Receipts, bills, valuations or repair estimates as appropriate for all claims for loss or damage.
- Full details of accident or injury and early prognosis for personal accident claims.
For all Legal Expenses claims:
Legal Claims Notification & Advice Helpline Service:
– 0161 492 1639
– nonmotorclaims@financialandlegal.co.uk
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.
Yes, we do not automatically reinstate the cover for the section(s) you've claimed on.
If for example, you claim for your laptop, you will need to contact us to arrange reinstating this part of your policy.
You should contact our office on: 0161 772 3390*
Or
via email on: customerservices@cover4students.com.
So we can work out the premium to reinstate this cover for you.
How to renew your student possessions insurance policy?
- You will be sent an email, roughly 1 month before your student possession insurance policy is due to expire.
- Within the email there will be a link to your student possessions quotation. Please just click the button to load you Student Insurance Quote
- Please click this button and follow the online student booking process making any changes that are needed.
- The booking process should pre-populate the information that you provided in your original student insurance booking (please note that this will exclude any changes that may have been made during the year such as a change of address).
- As you go through the booking process please make any changes to the cover that you require this year to get the correct premium – for example change of student address, increases in cover required.
- When you get to the payment page if your email contains a discount code please click the “Enter A Discount Code” button:
Credit/Debit Card Details
Name of Card Holder Card Type Card Number Card End Date Issue Number Security Code
(Last 3 digits on back of card) - Now enter your discount code (please note that all codes are case sensitive) and press submit
You should now enter your payment details to complete your student possession insurance renewal.
Or If You Want To Set Up A New Policy
Simply click on our button and follow the quick quote facility.
From our experience, students’ cover requirements and address details tend to change year-on-year. This process ensures that you have sufficient cover at our best price.
If at any point you wish to discuss your student contents & possessions insurance policy renewal with us, you can contact us via telephone or e-mail and a member of our Renewals Team will be happy to help.
CONTACT US:
EMAIL US: customerservices@cover4students.com
PHONE US: 0161 772 3390 *
* Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays. Telephone purchases are subject to an administration fee of £5
If you would like to use our online chat facilities about our student contents insurance, please click here.
To make mid-term adjustments to your policy you can contact us either by:
Phone: 0161 772 3390*
* Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays. Telephone purchases are subject to an administration fee of £5
Or alternatively
Email us: customerservices@cover4students.com
Please note: that any requested policy change cannot be confirmed as having been effected, until we have issued you with a written confirmation, after any additional premium has been received by us.
If you require the change to be with immediate effect then please phone us.
Yes, if you are no longer a student and still living at the same address the policy will still cover you up until the renewal.
At renewal you will need to move to our tenant’s insurance product, which you can purchase online click here for more information on our tenant’s contents insurance product
Or by calling us on: 0161 772 3382*
* Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays. Telephone purchases are subject to an administration fee of £5
No, but we do have an alternative Tenant Possessions Insurance product which is designed for graduates , nurses & young professionals who live in private accommodation within the UK, including shared flats and houses.
Please visit our tenant’s webpage .
Or phone us: 0161 772 3382*
Why choose cover4tenants?
- Premiums start from only £27·16 a year. **
- Tenants Contents Insurance is underwritten by RSA
- 14 Day Full Refund Guarantee.
We're so confident that our cover and premiums are the best available in the UK, that we offer a 14 day full refund guarantee. If you find cover cheaper elsewhere or even if you simply change your mind, we'll provide you with a `hassle free` full refund of your premium
- Low £25 claim excess. this is extended to £50 in respect of a laptop or portable computer
* For our joint protection calls may be recorded and/or monitored. Calls will cost 7p plus your phone provider's price per minute charge. Telephone lines are open Monday to Friday 9.00am-5.00pm excluding public bank holidays.
** £27·16 annual premium includes Insurance Premium Tax and is only available online. Premium is based on Basic Cover whilst living in a BN1, postcode with a sum insured of £2,000 paying via debit card.
Policies Purchased After 01/08/2019
You can cancel this policy within 14 days of the start date, or if later, within 14 days of the date you receive this document and your schedule. We will refund any premiums you have paid, as long as you have not made a claim and do not intend to make a claim. You can also cancel your policy at any other time. Please note:
- If you pay your premium in one lump sum at the beginning of each period of insurance then, provided no claim has been made during the current period of insurance, you will be entitled to a refund of a proportion of the premium you have paid, subject to a deduction of one twelfth for each month of cover you have received; or part thereof; plus a £12.50 administration fee.
- If you pay your premium in monthly installments, there will be no premium refund. This is because you will only have paid for the cover you have already received. If you have made a valid claim during the current period of insurance, you must pay the remaining premium due up to your next renewal date.
We require notification of cancellation in writing.
You can email us with your notification to cancel your policy at: customerservices@cover4insurance.com
Include in the email:
- Name.
- Policy number.
- Reason for cancellation.
- A declaration that no claims have been made or are pending on the policy.
Or phone us on: 0161 772 3390 *
Phone cancellations can only be made by the insured person or if the insured person is present when cancellation notice is given, for confirmation purposes.
Please note that cancellations can only be effective from the date that we receive a notification, therefore it cannot be retrospective. We can also not cancel any policy in advance.
Or fill in our cancellation form: Cancellation Form
Policies Purchased Before 01/08/2019
If you wish to cancel your policy there are 3 ways in which you can do this
- Write to us at the following address:
Cover4students,
UK & Ireland Insurance Services (Online) Limited,
The Stables, Old Co-Op Yard,
Warwick Street,
Manchester,
M25 3HB. - Or email us at: customerservices@cover4insurance.com.
In order to process you cancellation we will need you to include the following information with your request to cancel
- Policy holders name.
- Policy number
- Policy expiry date.
- Reason for the cancellation.
- A short declaration that no claims have been made on the policy.
Cancellation within 14 days of the date of purchase
You will be entitled to a full refund of the Insurance Premium you paid provided no claims have been made or are pending on the policy.
Cancellation after 14 days of the date of purchase
We offer a pro rata refund of your insurance premium less a £10 administration charge except where:
- The notification of cancellation is received by us less than 4 months prior to the expiry date of the policy.
- Your Insurance Premium is £40 or less in total.
- You have claimed during the insurance period.
In all of the above cases no refund will be made