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If you have been informed by your student accommodation provider that you have Camp2022 cover, 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 laptop, electrical goods, clothes and sports equipment. This insurance has been arranged by your accommodation provider 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 provided already. Don't worry - there is a section below listing the range of optional top up covers that are available. For example, you may wish to insure items outside of your student accommodation such as a laptop or tablet or you may wish to add Mobile Phone Insurance (as Mobiles are excluded from the basic cover).

Get exclusive access to our Benefits Hub where you can access discounts up to 75% off well-known brands.

Enter a free competition to win £500 

By confirming your cover you get access to our Benefits Hub where you can access discounts up to 75% off well-known brands.

girl studying

Students staying with one of our accommodation providers get contents insurance automatically included. To check your cover, register 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 2022.
  • 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.


How Much Am I Insured For?

Your possessions are insured inside of your accommodation for up to £7,000 in total. In addition, a further £2,000 cover is provided for computer equipment (including laptops) within your accommodation.

What Is Covered:

  • Personal possessions within the insured address — up to £7,000.
  • Replacement locks & keys — up to £350.
    This cover does not include lost keys; visit Keycare if you require insurance for lost keys.
  • Desktop computer equipment | room only — up to £2,000.
  • Ipads laptops & portable computer equipment | room only — up to £2,000.
  • Vacation cover — up to £4,000.
  • Personal accident — up to £50,000.
  • Credit cards — up to £500.
  • Personal money — up to £50.
  • College | university property on loan — up to £750.
  • Landlords property | tenants liability — up to £5,000.
  • Legal liability — up to £1,000,000.
  • Mobile phone | room only — up to £1,000.
  • Personal possessions from college / university & student union buildings — up to £500.
  • Personal possessions from communal areas — up to £1,000.
  • Musical instruments | room only — up to £600.

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).


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 / Claims tab.

What Is Not Insured:

  • The policy excess:
    • Laptops & portable computer equipment: The first £50 of any loss.
    • All other sections: The first £25 of any loss.
  • Lost or stolen keys (visit Student Keycare if you require insurance for the loss of keys).
  • Theft from vehicles (except where attended during transit at the beginning and end of each term).
  • Contact lenses.
  • Pedal cycles and mobile telephones (unless the basic cover is extended).
  • Cover outside of your accommodation (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 £1,167.
  • Computer equipment — up to £2,000.
  • Audio equipment — up to £1,167.
  • Tv, games consoles, video and dvd players — up to £1,167.
  • Photographic equipment, video camera’s & camcorders — up to £1,167.
  • Sports equipment £1,167.
  • Jewellery, watches & other valuables — up to £1,167.
  • Liability for rented household goods — up to £1,167.
  • Music, video, dvd, software & other data carrying media — up to £350.

Your Duty of Care

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


Policy 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: 2022—23Policies For The Year: 2021—22
Adobe PDF Master Policy Schedule (244KB)(309KB) Master Policy Schedule Adobe PDF
Adobe PDF Policy Wording (412KB)(420KB) Policy Wording Adobe PDF
Adobe PDF Policy IPID (147KB)(241KB) Policy IPID Adobe PDF
Insurance Product Information Document.


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


Cover4students Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

If you have a valid claim, complete the claim form with, where possible:

  • 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 IncludedUpgrade up to
Personal Possessions £7,000£14,000
Computer Equipment £2,000£4,000
Course Fees and Rent Cover No£20,000
Criminal Assault No£500
Legal Expenses No£30,000
Accidental Damage No£4,000
Accidental Damage To Landlords Property | Tenant's Liability No£10,000
Accidental Death, Injury or Illness of A Financially Supporting Parent or Guardian No£5,000
Mobile Phones | Anywhere in the UK No£1,000
Pedal Cycles | Anywhere in the UK No£1,000
Digital Download No£1,000
Exam and Coursework Cover No£250
Exam and Coursework Cover No
Musical Instruments | Anywhere in 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 Repatriation NoUp 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.

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