From the 30/06/2017 we no longer provide a block insurance policy for LOC8ME residents
If you are living in Loc8me accommodation or any other student accommodation, we can still provide student contents & possessions insurance. Please see the tabs listed above for our range of student products.
Policy Documents for the year: 01/07/2016–30/06/2017
To begin the claims process you will first need to complete our claim form and return this to us. Upon receipt, our claims department will assess your claim and contact you in order to proceed
Phone: 0142 223 8530
Post: Cover4students, Claims Team, Direct Group Property Nexus, PO Box 800, Halifax, HX1 9ET.
Student Contents & Possessions Insurance Basic Cover:
|Policy Benefit || Sum Insured |
|Personal Possessions ||Up To £14,000|
|Landlords Property | Tenants Liability||Up To £5,000|
|Liability For Rented Household Goods||Item Limits Apply|
|Replacement Locks and Keys||Up To £50|
|Credit Cards||Up To £500|
|Personal Money||Up To £50|
|College | University Property On Loan||Up To £250|
|Accidental Death or Redundancy Of A Parent Or Guardian||Up To £5,000|
|Legal Liability||Up To £1,000,000|
|Possessions In Transit at the beginning and end of each term|
Student Contents & Possessions Insurance Optional Extensions:
|Policy Benefit||Sum Insured|
| Laptop & Portable Computers | Room Only:|
Cover Within The Insured Address
|Up To £3,500|
| Laptop & Portable Computers | Cover Anywhere Within|
The UK (Please note: “Laptop & Portable Computers | Room Only:
Cover Within The Insured Address” must also be selected
with this option.)
|Up To £3,500|
|Accidental Damage||Item Limits Apply|
|Course Fees & Rental Protection||Up To £20,000|
|Mobile Phones | Cover Anywhere Within The UK||Up To £750|
|Pedal Cycle | Cover Anywhere Within The UK||Up To £500|
|Orchestral Instruments | Cover Anywhere Within The UK||Up To £3,000|
|Musical Instruments | Cover Anywhere Within The UK||Up To £3,000|
|Personal Accident||Up To £50,000|
|Examination & Coursework Cover||£250|
Our student essentials insurance has been designed so that you can just cover your essential items if you do not wish to take out a full student possessions policy. Our options include:
- Computer equipment anywhere within the UK up to £3,000.
- Tuition fees and rental protection up to £20,000.
- Accidental damage up to £10,000 for audio equipment, camera equipment, computer equipment, games consoles, television, video and DVD players owned by you within your insured address.
- Personal Accident cover up to £50,000.
- Mobile phone cover anywhere within the UK up to £1,000.
- Pedal cycles cover anywhere within the UK up to £1,000.
- Digital Download cover up to £2,000.
- Examination and coursework cover up to £1,000.
- Orchestral instruments anywhere within the UK up to £3,000.
- Musical instruments anywhere within the UK up to £3,000.
- Specified items anywhere within the UK up to £3,000.
- Unspecified items anywhere within the UK up to £1,500.
- Excess protection insurance cover up to £1,000.
Mobile Phone & Gadgets
Student Phone & Gadget Insurance
If you just want to insure your mobile phone / smartphone & other gadgets then look no further.
We can offer a standalone insurance product that will cover your mobile phone without having to take out a basic level of possessions insurance with us.
Why choose us for Mobile Phone Insurance?
- Specialist Student Insurance
- 45 days worldwide cover included
- Single or Multiple Gadget Options
- Covers theft & accidental damage anywhere within the UK