Brunel, University of

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 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.
• Personal possessions within the insured address if you live with a partner and/or children — up to £12,000.
• Personal possessions within the insured address if you are registered disabled — up to £12,000.
• Replacement locks & keys — up to £500.
  This cover does not include lost keys; visit Keyprotect if you require insurance for lost keys.
• Food spoilage: failure of fridge /freezer — up to £75.
• Damage to clothing: failure of laundry equipment — up to £350.
• Desktop computer equipment | room only — up to £2,500.
• Desktop computer equipment | room only if you are registered 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 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.
• University property on loan / library books — up to £750.
• University property on loan / library books if you are registered disabled — up to £1,000.
• Landlord’s property | tenant's liability — up to £5,000.
• Landlord’s property | tenant's liability for rooms adapted for disabled student access — up to £10,000.
• Accidental death, injury or illness 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 - following forcible and violent entry — 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 policy excess:
  • Food spoilage: The first £10 of any loss.
  • Computer equipment provided via the disabled student allowance (DSA) – nil.
  • Pedal cycles valued over £1,000^† – 10% of the pedal cycle value.
  • Photographic equipment valued over £1,000^‡ – 10% of the photographic equipment value.
  • All other sections: The first £25 of any loss.
• Cover outside of your accommodation (unless the basic cover is extended).
• Lost or stolen keys (visit Student Keyprotect 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).

^†Cover for pedal cycles only applies when the relevant policy top up / optional extension has been purchased in addition to the master policy. ^‡Cover for photographic equipment over £1,250 only applies when the relevant policy top up / optional extension has been purchased in addition to the master policy.

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.
• Clothing single item limit — up to £500.
• Jewellery, watches & other valuables single item limit — up to £600.
• Computer equipment — up to £2,500.
• Computer accessories — up to £250.
• Computer games, CDs, DVDs, videos, records etc — up to £600.
• Musical Instruments — up to £600.
• Photographic equipment, video cameras and camcorders — up to £1,000.
• Sports equipment — up to £1,000.
• 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.

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:  Make a claim

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 Possessions	£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
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, 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 £3,000.
5. Do you require cover for your camera equipment?
   If yes, you will need to select the photgraphic equipment extension. This extension will cover your camera equipment for theft or accidental damage anywhere within the UK up to £5,000.
6. 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.
7. 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 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