0161 772 3382

Claims

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

Download a Claims Form:

Adobe PDF Claims Form PDF | word doc icon Claims Form Word Doc

Call our Claims Department:

You can contact our claims department directly on 0142 223 8530 to register your claim. Or once you've submitted your claims form, if you have any queries or would like an claim update.

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 via email to claims@cover4students.com.

Or in the post:

Cover4students,

Claims Team,

Direct Group Property Nexus,

PO Box 800,

Halifax,

HX1 9ET.

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:

Cover4students Claims Team,

Stream Claim Solutions,

60 Spring Gardens,

Manchester,

M2 2BQ.

If you have a valid claim obtain a claim form from cover4students.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 will deal with all claims. You must refer all correspondnce and telephone enquires to cover4insurance at the following address:

  • Stream Claim Solutions, 60 Spring Gardens, Manchester, M2 2BQ.
  • 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.

If you need to make a claim under the "Personal Cyber Protection Policy" , you must telephone the helpline service as soon as you become aware of any incident or circumstance and in any event, you need to do so within 60 days of you becoming aware.

Call: 0333 400 0348 

You can contact the UK based helpline service 24 hours a day, seven days a week. The claims administrator will provide you with guidance over the phone and advise what happens next.

Please note that the claims administrator may need access to your computer system for claims verification and recovery of data purposes.

To help the claims administrator check and improve their service standards, they record all inbound and outbound calls.

When telephoning the helpline service, please quote the following scheme reference number: 06653A when prompted to do so by the claims administrator. If you unable to quote the scheme reference number, this may result in your claim being delayed.

To contact the helpline service, simply call 0333 400 0348. Calls to this number are charged at the local rate.

Please only contact the helpline service number above if you wish to report a claim under your Personal Cyber Protection policy.

Do not use this helpline service to report an insurance claim under any other insurance policy you may have. The helpline service will not be able to help you with this.

If you have a query concerning your policy cover, or a change in your circumstances, you should contact the insurance intermediary who sold you this policy.

Claims conditions

You must:

  1. Take all reasonable steps and precautions to prevent further loss covered by your policy;
  2. Co-operate with the claims administrator and us and provide all information needed by the claims administrator to investigate your claim;
  3. Provide the claims administrator with the details of any other insurances you may have which may cover all or part of the loss covered by this policy;
  4. Provide evidence that you sought to recover your financial loss relating to your claim from a third party, bank or financial institution that may be responsible for refunding all or part of the loss and advise the claims administrator if you make a recovery from any of these;
  5. Agree to assign your rights to us to pursue a claim and/or control any proceedings which are brought against a third party to recoup all or some of the payments made under this policy following a claim being made;
  6. Allow us to recover from you any payments made by us following a claim being made where you subsequently recover from a third party, bank or finance institution;
  7. For claims under section 2 – Recovery of insured data, make provision to back up insured data at least monthly, even if such provision has failed to operate effectively.

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 Claim Solutions,

60 Spring Gardens,

Manchester,

M2 2BQ.

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 you need to make a claim, please contact us as soon as possible. If the claim involves a loss of theft, malicious damage, vandalism or any other criminal activity you must report the incident to the Gardai/Police within 24 hours of discovery.

Phone Our Claims Team on:  01 207 5110

You may need to have the following information when contacting our claims department so your claim can be dealt with quickly:

  • Personal details to confirm your identity such as name, address, date of birth, phone numbers etc
  • Policy number
  • The date of incident
  • The cause of the loss or damage
  • Details of the loss or damage together with claim value if known
  • Gardai/Police details where applicable
  • Names and addresses of any other parties involved or responsible for the incident
  1. When you return home:
    • If you need to make a claim you must contact us within 31 days of your return to the UK / Republic of Ireland:
        By telephoning our claims team: +44 (0) 1733 224 845.
        Lines are open: Monday to Friday from 9am till 5pm.
    • When contacting our claims team please have the following information to hand as we will require it to process your claim:
        Master policy reference of: WHIIL/COVER4STUDYABROAD/06/2017.
        Details of where you purchased your policy: Cover4travel.com.
        Your policy number
        Date trip purchased for your policy.
        Trip booking details
        Actual or intended travel dates
        Incident date
        Brief circumstances of your claim
        Value of your claim.
      Please note: That your claim may be delayed if you are unable to advise us on the above information.
  2. While you are away:
    • In the event of you incurring medical expenses in excess of £250, or being involved in an accident, being admitted to hospital, the Emergency Assistance Service must be advised as soon as possible by calling: +44 (0)1733 224 892.
    • The Emergency Assistance Service is available 24 hours a day 365 days a year.
  3. Returning early to the UK / Republic of Ireland.
    • If you have to return early to the UK / Republic of Ireland under Section Cancellation & Curtailment or Emergency Medical Expenses & Repatriation our Emergency Assistance Service must authorise this.
    • If they do not, this could mean that the insurer will not provide cover or they may reduce the amount they pay for your return to the UK.

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:

Post:
Cover4tenants Claims Team,

Stream Claim Solutions,

60 Spring Gardens,

Manchester,

M2 2BQ.

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.

While you are away

24 hr Medical & Emergency Assistance

What to do in case of a medical emergency

In the event of any illness, injury, accident or hospitalisation involving anyone insured under this policy, where the anticipated costs are likely to exceed £250, you must notify the Emergency Assistance Service.

They will direct you to an appropriate medical facility and may be able to guarantee costs on your behalf.

When contacting our Emergency Assistance Service please ensure you quote the Master Policy Reference: WHIIL/COVER4TRAVEL/06/2017.

TEL: 0044 (0) 1733 224 892 *

24 Hours a day, 365 days a year.

Note: You must retain receipts for medical & additional costs incurred.

Hospital Treatment Abroad

If you are admitted to hospital abroad, you must contact the Emergency Assistance Service immediately. If you do not, this could mean that the Insurer will not provide cover or they may reduce the amount they pay for medical expenses. If you are not admitted to hospital, but you receive medical treatment abroad as an outpatient, you should pay the hospital or clinic and claim back your medical expenses from the claims services when you return to the United Kingdom.

Returning early to the United Kingdom/Ireland

If you have to return early to the United Kingdom/Ireland under Section A1 (cancellation and curtailment) or Section B (emergency medical expenses and repatriation), our Emergency Assistance Service must authorise this. If they do not, this could mean that the Insurer will not provide cover or they may reduce the amount they pay for your return to the United Kingdom.

Our Emergency Assistance Service reserve the right to repatriate you should the Insurers medical advisors view you as being fit to travel.

When contacting our Emergency Assistance Service please ensure you quote the Master Policy Reference: WHIIL/COVER4TRAVEL/06/2017.

TEL:00 (0) 1733 224 892 *

24 Hours a day, 365 days a year.

Note: You must retain receipts for medical & additional costs incurred

When you return Home

For all sections:

If you need to make a claim, please obtain a claim form no later than 31 days after the event by:

TELEPHONING OUR CLAIMS TEAM

UK: +44 (0) 1733 224 845 ** — Ireland: 0818 946 910 or +44 (0) 1733 224 845 **

Monday to Friday 9.00am – 5.00 pm

Quoting reference: WHIIL/COVER4TRAVEL/06/2017

** Calls from BT land lines cost 10p per minute. Calls from mobiles and other networks may be extra.

When you contact us, please ensure that you have the following information available to you, as we will require it to process your claim

  • Master policy reference of WHIIL/COVER4TRAVEL/06/2017
  • Your policy number
  • Date of purchase of your policy
  • Travel itinerary
  • Country and resort you visited or intended to visit
  • Actual or intended travel dates
  • Incident date
  • Brief circumstances of your claim
  • Value of your claim

Please note that your claim may be delayed if you are unable to provide us with the above information.

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