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Brunel, University of

Brunel

If you're living in halls of residence provided through Brunel University there is some good news; you automatically have a basic level of insurance cover in place with us. This insurance will provide a range of cover for your possessions within your accommodation such as cover for your electrical goods, clothes, sports equipment and frozen food. This insurance has been arranged by Brunel University with Cover4Students.

You will find a summary of the cover in the tabs. We recommend that you download and read the policy schedule and policy wording; ensuring that you understand the cover provided and that it is suitable for your needs.

You may find that you need more cover than is already arranged by Brunel University. Don't worry - there is a tab above listing the range of optional top up covers that are available. For example, you may wish to insure items outside of your accommodation such as a laptop or tablet or you may wish to add mobile phone insurance (as mobiles are excluded from the basic cover).

Please note: Laptops, Tablets and Portable Computers are not covered by this policy unless you extend your cover and add them under the Specified Items section.


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Benefits

How Much Am I Insured For?

Your personal possessions are insured whilst inside of your accommodation for up to £10,000 in total (this is increased to £12,000 if you live with a partner and/or children or if you are registered as being disabled). In addition, a further £2,500 cover is provided for computer equipment within your accommodation (this is increased to £4,500 if you are registered as being disabled).

  • Personal possessions within the insured address — up to £10,000.
  • Replacement locks & keys — up to £500.
  • Food spoilage: failure of fridge /freezer — up to £75.
  • Damage to clothing: failure of laundry equipment — up to £350.
  • Computer equipment | room only — up to £2,500.
  • 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.
  • College | university property on loan if you are registered as disabled - up to £1,000.
  • Landlords property | tenants liability — up to £5,000.
  • Landlords property | tenants liability for rooms adapted for disabled student access— up to £10,000.
  • Accidental death or redundancy of a financially supporting parent or guardian — up to £5,000.
  • Legal liability — up to £1,000,000.
  • Emergency accommodation costs - up to £250.
  • Emergency clothing allowance - up to £200.
  • Mobile phone | room only — up to £750.
  • Personal possessions from communal areas — up to £1,000.
  • Musical instruments | room only — up to £600.
  • Contact lenses — up to £150.

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 these extensions in the 'Optional Extensions' tab above.

Exclusions

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

What Is Not Insured:

  • The first £25 of any loss (except food spoilage where a £10 excess applies). For computer equipment provided through the Disabled Student Allowance (DSA) no excess will apply
  • Cover outside of your accommodation (unless the basic cover is extended).
  • Lost or stolen keys (visit Student Keycare if you require insurance for the loss of keys).
  • Theft from vehicles (except when attended during transit at the beginning and end of each university term).
  • Laptops, iPads, Tablets and Portable Computers (unless the basic cover is extended).
  • Pedal cycles (unless the basic cover is extended).

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 £1,250.
  • Computer equipment — up to £2,500.
  • Computer accessories - up to £250.
  • Musical instruments — up to £600.
  • Sports equipment — up to £1,000.
  • Photographic equipment, video cameras & camcorders — up to £1,000.
  • Clothing single item limit — up to £500.
  • Jewellery, watches & other valuables — up to £600.
  • Music, video, DVD, software & other data carrying media — up to £1,000.
  • Computer games, CDs, DVDs, videos & records — up to £600.
  • Rented household goods - up to £1,250.

Your Duty of Care

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

Documents

If you purchase a Top Up Cover to your Blockhalls Insurance from Cover4Students, we will send you an email confirming your purchase of cover and provide you with your personal policy schedule, policy wording and key facts 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 Master Policy Schedule, Policy Wording and Key Facts documents so that you can view prior to purchase or at any time after.

How to view the policy documents

The 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.

Policies For The Year: 2020—21Policies For The Year: 2019—20
Adobe PDF Master Policy Schedule (217KB)(222KB) Master Policy Schedule Adobe PDF
Adobe PDF Policy Wording (420KB)(420KB) Policy Wording Adobe PDF
Purchased after the 01/02/2020
(409KB) Policy Wording Adobe PDF
Purchased before the 01/02/2020
Adobe PDF Policy IPID (171KB) (56KB) Policy IPID Adobe PDF
Insurance Product Information Document. Insurance Product Information Document.

Claims

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.

Fill out the online claims form here:  Claims form

You can contact the claims department on: 0161 974 1101

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 in the post:

Cover4students Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

Optional Extensions

Our range of top ups allow you to insure the items that are most important to you; Mobile Phones, Cameras, Watches, Jewellery etc outside your accommodation which are not covered under your existing basic policy.Please note: Laptops, Tablets and Portable Computers are not covered by this policy unless you extend your cover and add them under the Specified Items section.The additional cover options available are listed below:


Policy Benefit Included Upgrade up to
Personal Possession Within The Insured Address
£10,000 £14,000

Computer Equipment

£2,500 £4,500
Course Fees and Rent Cover
No £20,000
Criminal Assault No £500
Legal Expenses  
No
£30,000
Accidental Damage No £10,000
Mobile Phones | Anywhere within the UKNo £1,000
Pedal Cycles | Anywhere within the UK No £1,000
Digital Download No £1,000
Exam and Coursework Cover No £250
Photographic Equipment | Cover Anywhere Within The UKNo£1,000
Musical Instruments | Anywhere within the UK No £3,000
Excess Protection Insurance No £1,000
Specified Items | Anywhere within the UK No £3,000
Unspecified Items | Anywhere within the UK No £4,000
Extra Covers For International Students
International Student RepatriationNoUp 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, digital cameras, 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, pedal cycles, photographic equipment 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 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.
  5. 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.
  6. 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.

Not In Halls?

If you are a student at Brunel University but won't be living in accommodation managed by them this year, you won't be covered by this scheme.

However, we're offering a 10% off our Student Possessions Insurance for Brunel University students 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 Brunel University student 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

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