Claims
To start the claims process, please complete the correct 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:
Cover4insurance Claims Team,
Stream Claims Services,
Copthall House,
King Street,
Newcastle under Lyme,
ST5 1EL.
If you have a valid claim obtain a claim form from cover4insurance.com. Complete 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.
How to Claim
To start the claims process, please complete the correct 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: +44 (0) 161 974 1101
Post:
Cover4insurance Claims Team,
Stream Claims Services,
Copthall House,
King Street,
Newcastle under Lyme,
ST5 1EL.
If you have a valid claim obtain a claim form from cover4insurance.com. Complete 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.
Telephone 01 207 5110
Conditions that apply to the policy and in the event of a claim are set out in your policy booklet. It is important that you comply with all policy conditions and you should familiarise yourself with any requirements. Directions for claim notification are included under claims conditions. Please be aware that events that may give rise to a claim under the insurance must be notified as soon as possible although there are some situations where immediate notice is required. Further guidance is contained in the policy booklet.
Claims conditions require you to provide us with any assistance and evidence that we require concerning the cause and value of any claim. Ideally, as part of the initial notification, you will provide:
- Your name, address, and your home and mobile telephone numbers
- Personal details necessary to confirm your identity
- Policy number
- The date of the incident
- The cause of the loss or damage
- Details of the loss or damage together with claim value if known
- Police details where applicable
- Names and addresses of any other parties involved or responsible for the incident (including details of injuries) and addresses of any witnesses.
This information will enable us to make an initial evaluation on policy liability and claim value. We may, however, request additional information depending upon circumstances and value, which may include the following:
- Original purchase receipts, invoices, instruction booklets or photographs
- Purchase dates and location of lost or damaged property
- For damaged property, confirmation from a suitably qualified expert that the item you are claiming for is beyond repair
Sometimes we may wish to meet with you to discuss the circumstances of the claim, to inspect the damage, or to undertake further investigations. Where we can offer repair or replacement through a preferred supplier but on request, we agree to pay our customer a cash settlement, then payment will normally not exceed the amount we would have paid our preferred supplier.
To make a claim,
Please fill in our claims form: click here
Cover4insurance.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4insurance.com at the following address:
Post:
Cover4tenants 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.
All claims for theft or loss must be reported to the police.
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.
To make a claim, if your policy number starts with C4BD202...
Please fill in our claims form: click here
Cover4insurance will deal with all claims. You must refer all correspondence and telephone esquires to cover4insurance at the following address:
- Stream Claim Solutions, Stream Claims Services, Copthall House, King Street, Newcastle under Lyme, ST5 1EL.
- Telephone: 0161 974 1101 Lines are open between 9am and 5pm Monday to Friday. Calls may be recorded for training, compliance and fraud prevention purposes.
Things You Must Do.
You must comply with the following conditions. If you fail to do so and this affects the ability of the claims administrator to fully assess your claim or keep our losses to a minimum, we may not pay your claim or any payment could be reduced.
- All claims must be reported to the claims administrator as soon as possible but in any event, within 14 days of you becoming aware of an incident. You must complete a claim form (in full) and provide at your own expense, any information and assistance which the claims administrator may require in establishing the amount of any payment under your insurance.
- You must provide evidence of ownership of your gadget or mobile phone to support any claim, and any other receipts or documents that we may request. If you cannot provide evidence of ownership, your claim will not be valid.
- All thefts must be reported to the police within 24 hours of your discovery of the incident. You must provide the claims administrator with a crime reference number.
- If your gadget or mobile phone is lost, you must obtain a lost property reference from the police or a lost property reporting service which is accredited by the police.
- You must report the loss or theft of your mobile phone to your Network Provider within 24 hours of the incident so they can block it and stop anyone else using it.
- If your gadget or mobile phone is damaged, you must provide the gadget or mobile phone for inspection and repair.
For all claims except Legal Expenses claims:
Please fill in a claims form: Claims Form
cover4insurance.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4insurance.com at the following address:
Cover4insurance Claims Team,
Stream Claims Services,
Copthall House,
King Street,
Newcastle under Lyme,
ST5 1EL.
Telephone: 0161 974 1101
Check your student's contents insurance 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.
All claims for theft or loss must be reported to the police.
For all Legal Expenses claims:
Legal Claims Notification & Advice Helpline Service: – 01384 887575
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.
If something’s gone wrong and you need to make a claim, don’t worry — we’ve tried to make it as simple as possible.
We have appointed AIG Travel Guard to look after claims.
You can find full details of the claims procedure on page 12 of the Policy Wording Document.
Please also pay particular attention to ‘if you need to make a claim’ under each section of cover.
For all Sections other than Gadget cover
You can obtain a claim form by the following:
Online at: .policyholderclaims.co.uk
In writing to:
Longstay & Backpacker Claims Team
AIG Travel Guard
2-8 Altyre Road, Croydon CR9 2LG
Telephone: 01273 741 002 (open Monday to Friday 9am-5pm)
Email: aigtravelclaims@aig.com
Gadget Cover
Notifying us of any claims
In the unfortunate event that you need to make a claim, you should contact Davies Group, the claims administrator for Gadget Cover. Please contact them as soon as reasonably possible (but ideally within 48 hours) from the discovery of the incident (or in the event of an incident occurring outside of the United Kingdom, on returning to the United Kingdom)
Alternatively, you can start your claim by emailing or calling the claims team:
Email
gadgetclaims@davies-group.com
Telephone
Call 0330 102 8698. If you are phoning from abroad: + 44 (0) 330 102 8698. The line is open from 8:30am to 6:30pm Monday to Friday. Closed Bank Holidays.
For all claims except Legal Expenses claims:
Please fill in a claims form: Claims Form
Cover4tenants.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4tenants.com at the following address:
Post:
Cover4tenants 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.
All claims for theft or loss must be reported to the police.
For all Legal Expenses claims:
Legal Claims Notification & Advice Helpline Service: – 01384 887575
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.
See Your Policy Documents For The Relevant Claims Instructions.
What to do if you need to make a claim
In the event your insured keys are lost, stolen or accidentally broken, or have been locked inside your principal home or vehicle, you should contact our dedicated helpline straightaway on 01603 567255.
This helpline is open 24 hours a day, 365 days a year. All calls are recorded for training purposes. Alternatively, you can notify claims by email to: claims@soterps.com.
Please have ready your policy number or the name of the organisation who sold you this insurance.
Please note the following important information:
- Be ready to provide the full address and postcode of your home and location of your vehicle and its registration number and supply as much information as possible about what has happened which will help us to give the best possible advice and decide on the most appropriate form of assistance. If we agree to cover your claim, we will always appoint an authorised repairer.
- Under no circumstances should you instruct a locksmith or incur any other costs before we have agreed to help as the insurer will not pay any costs incurred without our agreement.
- The authorised repairer will always aim to carry out repairs within the timescales given to you but this may not always be possible and weather or traffic conditions or excessive demand could adversely affect these timescales. We will always let you know of any delays as soon as possible.
- If the cost of repairs or other forms of assistance are likely to exceed the maximum amount the insurer will pay for each insured incident (see Meaning of words and terms – limit of indemnity), the authorised repairer can continue to provide assistance, subject to your agreement, but you will be responsible for any additional costs.
- We will not provide cover for any loss, theft or accidental damage to your insured keys (including where your insured keys are locked inside your principal home or vehicle) where this event occurred or was known about before the start date of this insurance or within the first ten days of the start date of this insurance, or is reported to us more than 30 days after the date you first knew about the claim.
- If we are unable to cover your claim then, subject to the extent of work required, we may still be able to arrange for an authorised repairer to help but this will be under a separate agreement between you and the authorised repairer and all costs will be your responsibility.