First Year Student Living In Halls?

Check to see if you are already covered by your University.

Home
Featured Products

Student Insurance

If you are going to university you will need to insure your contents, gadgets and possessions while you living in halls of residence or sharing a house in private rented accommodation.

Read More Buy Now

Student Essentials Insurance

Cover the items that are most important to you without having to take out a full contents policy, such as laptops, mobiles, pedal cycles, musical instruments, computer equipment.

Read More Buy Now

Study Abroad

Cover for upto 15 months with inclusive cover for gadgets and 24/7 emergency helpline. Over 100 sports and activities are automatically covered & up to 4 return trips home.

Read More Buy Now

Mobile & Gadget Insurance

Cover your gadgets such as MacBooks, iPhones, mobile phones, laptops, iPads and tablets against loss, damaged or theft.

Read More Buy Now
Student
Student Insurance

If you are going to university you will need to insure your contents, gadgets and possessions while you living in halls of residence or sharing a house in private rented accommodation.

Read About Student Insurance

Select From Our Range:

Student Contents Insurance

Student Essentials Insurance

Halls of Residence

Mobile Phone/Gadget Cover

Student Study Abroad Insurance

Student Bicycle Insurance

Student Musical Instrument Insurance

Student Landlord's Insurance
Travel
Travel Insurance

We understand that not every holiday is the same, which is why we offer a range of excellent value policies, tailored to suit your needs. Wherever you are travelling to, whatever you are doing, we've got you covered.

Read About Travel Insurance

Select From Our Range:

Study Abroad

Annual Multi–Trip Travel Insurance

Single Trip Travel Insurance

Backpacker–Gap Year–Long Stay Travel Insurance

Wintersports Travel Insurance

School Trip Travel Insurance, School Group Holiday Insurance

Smart Luggage Travel Insurance

Travel With Medical Conditions—UK
Property Owner
Property Owners Insurance

We provide a range of insurance products that cover commercial, home and university residences.

Read About Property Owners Insurance

Select From Our Range:

Home Insurance

Commercial Property Insurance

Landlord's Insurance

Unoccupied Property Insurance

Property undergoing renovation Insurance
Personal
Personal Insurance

We caters for a wide variety of insurance needs from personal:- travel, mobile phone & gadgets through to personal possessions, liability and property insurances.

Read About Personal Insurance

Select From Our Range:

Tenant Contents Insurance

Tenant's Liability Insurance

Essentials Insurance

Car Insurance

Gadget Insurance

Mobile Phone Insurance

Pet Insurance

Key Protect Insurance
Business
Business Insurance

We’re living in increasingly litigious times. Your business faces unpredictable threats and risks on a daily basis. A liability insurance claim against your business could be huge and could lead to damages of millions of pounds being awarded against you.

Read About Business Insurance

Select From Our Range:

Accommodation Providers— Student Block Scheme

Commercial Property Insurance

Cyber and Data Insurance

Employer's Liability Insurance

Event Liability Insurance

Exhibitor Liability Insurance

Professional Indemnity Insurance

Office Insurance
Claims
FAQ
Help
Contact

2 min read

Cover4insurance Supports Insurance Reforms

Dear Valued Customer, we would like to inform you of our support for the Government Bill on insurance law reform. This was designed to improve clarity around the insurance contract for commercial customers and better reflect the way we choose to do business in the 21st century. We are delighted that this resulted in The Insurance Act 2015 receiving Royal Assent on 12 February 2015.

What does the Act include?

To summarise, the key elements of the Act are as follows:

Duty of Disclosure & Representation – The existing duty remains and is clarified with the requirement for businesses to make a ‘fair presentation’ of their risk to insurers.
Remedies for Non-Disclosure or Misrepresentation - Remedies must now be proportionate and reflect the actual underwriting impact, had the correct information been provided originally.
Basis of Contract Clauses – Are abolished removing mechanisms which allow avoidance if risk information provided is inaccurate.
Remedy for Breach of Warranty – Warranties can continue to be applied but breach will now mean liability is only suspended for the period of the breach and only where relevant to a claim.
Remedy for Fraud – The new remedy removes the option of avoidance. In the event of fraud an insurer remains ‘on cover’ for claims made before the fraud occurs but has the option to cancel the policy with effect from the date of the fraudulent act.

What does this mean for you?

Our support for the proposals, means that we’re already enacting many of the philosophies of the Act. However, we’re committed to taking that further.

We’ll work to achieve fair presentation of a risk through fully understanding the risk and the customer profile. In the event of a claim, where fair presentation has not been made, we will continue to adopt a fair, pragmatic and transparent approach.
The Act provides that an insurer may not rely on the insured’s breach of a term to avoid paying a claim if the breach could not have increased the risk of loss. This has long been cover4insurance’s approach and our wordings are predominantly “warranty free”.
Basis Clauses will not affect claims or losses with immediate effect.
We’ll update all policy documentation to reflect these changes.
As part of our commitment to improving clarity and certainty for customers we will also continue with the rollout of our improved product set which started with Property Owners in November last year. You will shortly see our new approach to our on-line Property Owners products, for example.

This is a technical article brought to you by cover4insurance.com.

Return to the Help Centre

Student Insurance

Student Essentials Insurance

Study Abroad

Mobile & Gadget Insurance

Select From Our Range:

Select From Our Range:

Select From Our Range:

Select From Our Range:

Select From Our Range:

Cover4insurance Supports Insurance Reforms