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At Cover4students we are always looking at student lifestyles and how we can develop our insurance for students to match the student’s insurance requirements.

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  • With the University Halls of Residence which is automatically included as part of their accommodation.

  • Covered by Parents home insurance for contents in your university halls.

  • Already covered by another student insurance policy for your possessions but need to extend the cover for a new item or your current policy can’t cover the item you wish to insure.

  • Not leaving home and only require cover while travelling to and from university.

Whatever the reason we designed our insurance for students product cover to match these needs. We can now offer a flexible student insurance policy so that you can insure as many or as few items as you wish.

  • Specialist Student Insurance

  • New for Old cover

  • Single or Multiple Cover Options

  • Covers your items for theft & accidental damage anywhere within the UK

  • Instant cover available

Policy Documents


If you purchase Student Product Insurance from Cover4Students, we will send you an email confirming your purchase of cover and provide you with your personal student product insurance policy schedule, policy wording and policy summary 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 Student Product Insurance — Policy Wording and Policy Summary documents, so that you can view prior to purchase or at any time after.


How to view the policy documents

The insurance for students 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:


    Policy Wording


    Policy Summary

How to Make a Claim


To start the claims process, please complete the Claims Form provided below. Before submitting your claim, please read your policy schedule to make sure you are covered and have a valid claim.


Fill out the online claims form here:     Claims Form

Phone: 0161 974 1101

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


If you have a valid claim please complete our online claim form listed above and return it along with:

  • 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.


All claims for theft or loss must be reported to the police.


In some cases we may arrange either for a member of our staff or an independent chartered loss adjuster to discuss your claim with you. This is not always necessary but when it is we will advise you of the name and address of the loss adjuster and monitor progress of the claim for you.

Please don’t worry if we arrange for a loss adjuster or member of staff to visit you. It is a normal claims procedure and aims to speed up consideration of claims.


Certain types of claims will be considered directly by the insurers if refereed to them by

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Why choose Cover4Students?

All telephone purchases are subject to a £5·00 administration fee. There is an additional £2·50 fee for paying by credit card (including prepaid cards). There is no fee for paying by debit cards.

From feedback gathered over a number of years, it is clear that, as a result of numerous factors, not all students wish to insure all their personal possessions under one all-encompassing policy. Students have often got a level of insurance elsewhere, such as:

So whether it’s the latest gadget, mobile phone or laptop we can cover it. We can also offer insurance for students, just for tuition / course fees or protection against the cost to resit an exam please see the tabs for a list of what we can cover.