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If you're living in halls of residence provided through the University of the West of England (UWE) 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, sports equipment and frozen food. This insurance has been arranged by the University of the West of England (UWE) 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 the University of the West of England (UWE). 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 accommodation such as a laptop or tablet or you may wish to add Mobile Phone Insurance (as Mobiles are excluded from the basic cover).

Enter a free competition to win £500 


How Much Am I Insured For?

Your personal possessions are insured whilst inside your accommodation for up to £7,000 in total. In addition a further £5,000 cover is provided for computer equipment (including laptops and tablets) within your accommodation.

  • Personal possessions - up to £7,000 in total.
  • Computer equipment (including accidental damage) - up to £5,000 in total.
  • Landlord’s property - up to £5,000 for theft or fire damage.
  • In direct transit at the beginning and end of each university term - up to £7,000.
  • In university designated storage during vacations - up to £7,000, for theft from forcible entry.
  • In university and student union buildings - up to £500, for theft following forcible entry.
  • University property on loan - up to £750. Cover is extended to £1,000 if you are registered as disabled. 
  • Replacement locks & keys - up to £350, following damage resulting from burglary.
  • Rented household goods - up to £1,250.
  • Personal money - up to £50, for theft from your room following forcible entry.
  • Credit/debit card fraud - up to £500, for theft from your room following forcible entry.
  • Personal accident - up to £50,000, on a scale of benefits.
  • Accidental death or redundancy of a financially supporting parent or guardian – up to £5,000.
  • Legal liability - up to £1,000,000 for injury to others or damage to their property.
  • Food spoilage - up to £75, following mechanical failure of fridge/freezer.
  • Damage to clothing - up to £300, for damage caused by faulty laundry equipment.
  • Mobile phones - up to £750, for theft from your room following forcible entry. 
  • Musical instruments - up to £1,000 in total. 
  • Contact lenses - up to £150. 
  • Emergency accommodation costs - up to £350. 
  • Emergency clothing allowance - up to £200. 

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 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 / Claims tab.

What Is Not Insured:

  • The first £10 of any loss.
  • Theft from vehicles (except where attended during transit at the beginning and end of each term).
  • Pedal cycles (unless basic cover is extended).
  • Cover outside of your accommodation (unless basic cover is extended).

Maximum Amounts Payable:

  • Possessions single item limit - £1,250.
  • Clothing single item limit - £350.
  • Desktop computer equipment - up to £2,500 in total.
  • Laptops, tablets and portable computers - £2,500. 
  • Jewellery, watches and other valuables – up to £1,250 in total.
  • Audio equipment, video/DVD players & other data playing equipment – up to £1,000 in total.
  • Computer games, CDs, DVDs, videos and records - up to £600 in total. 
  • Photographic equipment - up to £1,000 in total. 
  • Sports equipment - up to £1,000 in total. 
  • Musical instruments - up to £1,000. 

Your Duty of Care

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


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: 2018—19Policies For The Year: 2017—18
Adobe PDF Master Policy Schedule (207KB)(220KB) Master Policy Schedule Adobe PDF
Adobe PDF Policy Wording (494KB)
Purchased before the 01/04/2019
(1.12MB) Policy Wording Adobe PDF
Adobe PDF Policy Wording (546KB)
Purchased after the 01/04/2019
Adobe PDF Policy IPID (56KB)(619KB) Policy Summary 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 Claim Solutions,

60 Spring Gardens,


M2 2BQ.

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; Mobile Phones, Cameras, Watches, Jewellery etc outside your accommodation which are not covered under your existing basic policy. The additional cover options available are listed below:

Policy Benefit
Upgrade up to
Personal Possessions
Computer Equipment
Course Fees and Rent Cover
Criminal Assault
Legal Expenses
Accidental Damage
Mobile Phones | Anywhere within the UK
Pedal Cycles | Anywhere within the UK
Digital Download
Exam and Coursework Cover
Orchestral Instruments | Anywhere within the UK
Musical Instruments | Anywhere within the UK
Excess Protection Insurance
Specified Items | Anywhere within the UK
Unspecified Items | Anywhere within the UK
Photographic Equipment | Anywhere within the UK
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 £4,500 (excluding computer equipment)?
    If yes, you can extend the cover up to £9,000 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, 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 £5,000 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 mobile phone?
    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.

Not In Halls?

If you are a student at the University of the West of England 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 University of the West of England students who are living in private accommodation. Just click on the link below where the 10% discount will be applied:


If you're a former University of the West of England 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:


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