LIV Student UK

Students staying with one of our accommodation providers get contents insurance automatically included. To check your cover request your policy schedule and policy wording with Cover4Insurance below.

Once registered you will be:

• Emailed your policy documents.
• Entered into a free prize draw with a chance of winning £500^† winner to be announced in early November 2023.
• Provided exclusive access to our Benefits Hub where you can access a huge variety of savings and discounts across many reputable retailers.
• You will be sent a 10% discount code for our Student Possessions Insurance when this policy expires.
• ^† Competition Terms & Conditions

Benefits

How Much Am I Insured For?

Your possessions are insured inside of your accommodation for up to £10,000 in total. This is extended to £12,000 if you are registered disabled. In addition a further £2,500 cover is provided for computer equipment within your accommodation, this is extended to £4,500 if you are registered disabled.

What Is Covered:

• Personal possessions within the insured address — up to £10,000.
• Personal possessions within the insured address if you are registered as disabled — up to £12,000.
• Replacement locks & keys — up to £350.
  This cover does not include lost keys; visit Keyprotect if you require insurance for lost keys.
• Damage to clothing: failure of laundry equipment — up to £300.
• Desktop computer equipment | room only — up to £2,500.
• Desktop computer equipment | room only if you are registered as disabled — up to £4,500.
• Ipads laptops & portable computer equipment | room only — up to £2,500.
• Ipads laptops & portable computer equipment | room only if you are registered as disabled — up to £4,500.
• Vacation cover — up to £10,000.
• Personal accident — up to £50,000.
• Credit cards — up to £500.
• Personal money — up to £100.
• College | university property on loan — up to £750.
• Landlords property | tenants liability — up to £5,000.
• Accidental death, injury or illness of a financially supporting parent or guardian — up to £5,000.
• Legal liability — up to £1,000,000.
• Mobile phone | room only — up to £750.
• Personal possessions from communal areas — up to £1,000.
• Musical instruments | room only — up to £1,500.
• Contact lenses — up to £150.
• Pedal cycles | accommodation only — up to £500.

Important: You may need to extend the basic policy cover to protect your valuable items such as your mobile phone, iPod, bicycle etc. if you are taking them out and about (travelling to and from university). You can view the optional extensions available to you by looking at 'Optional Extensions'.

Exclusions

We strongly recommend that you read the full terms contained in the policy wording document to see a full list of the terms and conditions that govern your policy with us. These can be downloaded from the Policy Documents tab.

What Is Not Insured:

• The policy excess:
  • Desktop computer equipment | room only £50.
  • Desktop computer equipment | room only, for students registered as disabled and have equipment provided through the dsa nil.
  • iPads laptops & portable computer equipment | room only £50.
  • iPpads laptops & portable computer equipment | room only, for students registered as disabled and have equipment provided through the dsa nil.
  • Pedal cycles valued over £1,000 10% of the pedal cycle value.
    Cover for pedal cycles only applies when the relevant policy top up/optional extension has been purchased in addition to the master policy.
  • Photographic equipment over £1,250 10% of the photographic equipment value.
    Cover for photographic equipment only applies when the relevant policy top up/optional extension has been purchased in addition to the master policy.
  • All other sections £25.
• Accidental damage (see optional extensions for cover options)
• Laptops and other gadgets such as tablets outside the room (see optional extensions for cover options)
• Mobile phones outside the room (see optional extensions for cover options)
• Any other items, taken outside the room (see optional extensions for cover options)
• Lost or stolen keys (visit Student Keyprotect if you require insurance for the loss of keys).
• Vehicles and crafts
• Dentures
• Any claims arising from:
• Deliberate or criminal acts by the insured person or their family
• Gradual causes including deterioration or wear and tear
• Computer viruses

Maximum Amounts Payable:

The following categories of items are subject to a maximum amount payable during the period of insurance.

• Personal possessions single item limit — up to £1,500.
• Computer equipment — up to £2,500.
• Computer accessories — up to £150.
• Computer games, cds, dvd, videos & records — up to £1,000.
• Clothing single item limit — up to £500.
• Tv, games consoles, video and dvd players — up to £1,500.
• Photographic equipment, video cameras and camcorders — up to £1,500.
• Sports equipment — up to £1,500.
• Musical instruments — up to £1,500.
• Jewellery, watches & other valuables — up to £1,500.
• Audio, video, dvd, software & other data carrying media — up to £1,500.
• Rented household goods — up to £1,500.

Your Duty of Care

You must, at all times, take all reasonable steps to prevent accidents, loss and damage.

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 claims form here:  Make A Claim

Phone:  0161 974 1101

Post:

Cover4students 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 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.

Optional Extensions

Our range of top ups allow you to insure the items that are most important to you.

By offering a range of top ups you have the flexibility to chooses the covers that are most important to you, whether that is to add cover for a mobile phone or musical instruments or you just want cover for items outside your accommodation we have an option to suit you. The additional cover options available are listed below:

Policy Benefit	Included	Upgrade up to
Personal Possessions	£10,000	£14,000
Computer Equipment	£2,500	£5,000
Course Fees and Rent Cover	No	£20,000
Criminal Assault	No	£500
Legal Expenses	No	£30,000
Accidental Damage	No	£10,000
Accidental Damage To Landlords Property | Tenant's Liability	No	£10,000
Mobile Phones | Anywhere in the UK (plus up to 60 days Worldwide)	No	£1,500
Pedal Cycles | Anywhere in the UK (plus up to 60 days in Europe)	No	£3,000
Digital Download	No	£1,000
Exam and Coursework Cover	No	£250
Photographic Equipment | Anywhere in the UK (plus up to 60 days Worldwide)	No	£5,000
Musical Instruments | Anywhere in the UK	No	£3,000
Excess Protection Insurance	No	£1,000
Specified Items | Anywhere within the UK (plus up to 60 days Worldwide)	No	£3,000
Unspecified Items | Anywhere within the UK (plus up to 60 days Worldwide)	No	£4,000
Extra Covers For International Students
International Student Repatriation	No	Up To £5,000

Please note that your policy will expire when you move out of your student accommodation or when your Master Policy expires, whichever is sooner. Any extensions you make will also expire with the Master Policy.

Why Extend My Cover?

In order to help you decide if you need to top up your cover, we have devised a few standard questions:

1. Are your total possessions worth more than £10,000 (excluding computer equipment)?
   If yes, you can extend the cover, up to £14,000 by selecting the personal possessions top-up.
2. Do you take possessions outside of your accommodation, (Such as iPods, laptops, iPads etc.)?
   If yes, you need to look at either the 'Specified Items' or 'Unspecified Items' section.
   
   • For 'Specified Items' you will need to list the item (s) and value (s) up to a maximum of £3,000.
   • For 'Unspecified Items' you can cover personal possessions up to £4,000 in total with a single item limit of £500.
   Please note that musical & orchestral instruments, photographic equipment, pedal cycles and mobile phones cannot be covered under these sections as separate cover sections are available for these items.
3. Is your computer equipment worth more than £2,500?
   If yes, you can extend the cover, up to £4,500 by selecting the computer equipment top-up.
4. Do you require accidental damage cover?
   Accidental damage cover is excluded from the standard cover.
   An 'Accidental Damage' extension is available which will cover your 'Audio equipment, Computer Equipment, Games Consoles, Television, Video and DVD players against accidental damage whilst within the accommodation.
   Please note that accidental damage cover is automatically included for the following items where a top-up has been purchased:
   
   • Mobile Phone
   • Pedal Cycles
   • Musical Instruments
   • Photographic Equipment
   • Items listed under the "Specified Items | Cover Anywhere Within the UK" section
   • Items insured under the "Unspecified Items | Cover Anywhere Within the UK" section
5. Do you require cover for your pedal cycle?
   If yes, you will need to select the pedal cycle extension. This extension will cover your pedal cycle for theft or accidental damage anywhere within the UK up to £1,000.
6. Is your pedal cycle worth more than £1,000?
   If yes, we can cover your pedal cycle up to £3,000 via our separate standalone pedal cycle product. To get a quote or for more information please click here.
7. Do you require cover for your mobile phone outside your accommodation?
   If yes, you will need to select mobile phone extension. This extension will cover your mobile phone for theft or accidental damage anywhere within the UK up to £1,000.
8. Do you require cover for your Course Fees?
   We offer a Tuition Fees and Rental Protection cover which will cover the cost of your tuition fees or rent if you're medically unable to continue studying your course through sickness or injury up to £20,000.

It is important that you understand that when you extend your cover you are taking out an individual insurance policy in addition to being covered under your University’s/Accommodation Provider’s Block Halls insurance policy.

Extend Your Students Contents Insurance Policy

Not In Halls?

If you are a student but won't be living in accommodation managed by LIV Student this year, you won't be covered by this scheme.

However, we're offering a 10% off our Student Possessions Insurance for former LIV student residents who are living in private accommodation. Just click on the link below where the 10% discount will be applied:

10% OFF STUDENT INSURANCE

If you're a former LIV Student resident or have graduated and would still like cover for your personal possessions and contents, we can also offer 10% off our tenant insurance. Just click the link below for a quote, the discount will be applied automatically:

10% OFF TENANTS INSURANCE