0161 772 3382

Student contents Insurance — Ireland

Student's Content Insurance

Student Possessions Insurance from €34**

Our contents and possessions insurance can cover you whether you’re living in University/College Halls of Residence, a Privately Rented Student Property or Shared Accommodation.

Buy securely online and save €5***

Choose the cover that suits your needs from our Bronze, Silver, Gold and Platinum ranges of polices.

Cover can include:

  • Contents and possessions up to €10,000
  • Laptops up to €2,000
  • Mobile or Smartphone up to €1,000
  • Landlord's Property — Tenant's Liability up to €5,000

Why Choose Cover4insurane for your Student Renters Insurance?

  • New for Old Cover:
    • In most cases item will be replaced as new irrespective of their age and condition. A deduction may be made for wear and tear for clothing, rented household goods and college property on loan.
  • Specialist Student Possessions Insurer:
    • Our polices are designed exclusively for students
  • Covers Shared Accommodation:
    • Covering your items in multi-let properties as well as single lets
  • 14 day cooling off period:
    • If you decide for any reason that the policy does not meet your requirements within 14 days of purchasing the policy. We offer a foll refund of your premium guarantee if you decided to cancel provided no claim has been made or pending.
  • Landlords Property | Tenants Liability
    • We will pay up to the amount shown in your schedule for sums which you become legally liable to pay as damages in respect of:
      • Theft of landlord’s material property in your custody and control for which you are legally responsible under the terms of a formal tenancy agreement.
      • Fire damage to landlord's material property in your custody and control for which you are legally responsible under the terms of a formal tenancy agreement.

Who can take out Student Possessions Insurance?

  • Residents of Trinity College Dublin.
  • Students living in designated halls of residence.
  • Student living in privately owned rented accommodation.
  • Students living in privately owned shared accommodation.

** €34 Premium based on a student living in halls of residence purchasing a bronze policy online, with no optional extensions. *** All telephone purchases are subject to a €5 administration fee

Benefits

Automatic Covers
Bronze
Silver
Gold
Platinum
Possessions
€5,000
€5,000
€7,500
€10,000
Mobile Phone
No Cover
€250
€500
€1,000
Laptop Anywhere in Ireland
No Cover
€750
€1,500
€2,000
Desktop Computer
€1,500
€750
€1,500
€2,000
Landlords Property | Tenants Liability €5,000 €5,000 €5,000 €5,000
University Property on Loan
€500
€500
€750
€1,000
Rental Protection
€500
€500
€750
€1,000
Locks and Keys €250 €250 €500 €500
Personal Accident
€10,000
€15,000
€20,000
€25,000
Accidental Death of a Parent
€10,000
€10,000
€10,000
€10,000

Top Up Covers

In addition to the Automatic Covers, you may also wish to add on Optional Extras on to the policy; such as Accidental Damage to other possessions in the home and Specified Items (covered anywhere in Ireland):

Specified Items allows you to protect items you regularly take out of the home up to a maximum of €2,500. Specified item are covered for accidental damage or loss anywhere within the Republic of Ireland and Northern Ireland.

You may wish to consider specifying items such as iPods, MP3 players & other portable audio equipment, watches, cameras, jewellery & glasses under this optional extension.

Important: This policy excludes pedal cycles, for more info or a quote click the link:  Pedal Cycle Insurance

Documents

It’s important that you read our Policy Documents to make sure you understand exactly what’s covered.

You can find out more about Student Contents Insurance in the documents below which you will also receive when you purchase our student insurance policy.

Policies After–12/08/2016
Policies Before–12/08/2016
Adobe PDF Policy Wording Terms of BusinessPolicy Wording Adobe PDF
Adobe PDF Policy SummaryPolicy Summary Adobe PDF


Claims

If you need to make a claim, please contact us as soon as possible. If the claim involves a loss of theft, malicious damage, vandalism or any other criminal activity you must report the incident to the Gardai/Police within 24 hours of discovery.

Phone Our Claims Team on:  01 207 5110

You may need to have the following information when contacting our claims department so your claim can be dealt with quickly:

  • Personal details to confirm your identity such as name, address, date of birth, phone numbers etc
  • Policy number
  • The date of incident
  • The cause of the loss or damage
  • Details of the loss or damage together with claim value if known
  • Gardai/Police details where applicable
  • Names and addresses of any other parties involved or responsible for the incident

Cover can be arranged instantly online. Just click the quote button

Cover can also be arranged over the telephone by calling our help centre on +44 161 772 3373 *

Office opening times are Monday to Friday 9am to 5pm.

* Please note all telephone bookings are subject to a €5 administration fee. For our joint protection calls may be recorded and monitored.

The possession policy is arranged by UK & Ireland Insurance Services (Online) Limited underwritten by UK General Insurance Limited on behalf of UK General Insurance (Ireland) Limited

Who underwrites the policy?

This insurance is arranged by UK & Ireland & underwritten by UK General Insurance Ltd on behalf of Great Lakes Reinsurance (UK) SE, Registered in England No.SE000083. Registered Office: Plantation Place, 30 Fenchurch Street, London EC3M 3AJ.

UK & Ireland and UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority.

Great Lakes Reinsurance (UK) SE is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register at www.fca.org.uk/firms/systems-reporting/register or by calling them on 0800 111 6768.

All students who are living in university halls of residence or privately rented accommodation (including shared accommodation) within Ireland.

Student contents and possessions insurance is an annual policy.

Cover applies in the following locations:

  • Your insured address
  • Your permanent home address (within Ireland).
  • Any occupied private dwelling.
  • Any other building you are temporarily residing.
  • Whilst in direct transit to and from your home address (within Ireland) and your insured address at the beginning and end of each term.

Policy Type Trinity College Dublin Accommodation University Halls of Residence Accommodation Private Rented Accommodation
Bronze €34 €34 €72
Silver €72 €72 €102
Gold €102 €102 €132
Platinum €132 €132 €162
Policy Benefit Bronze Silver Gold Platinum
Personal Possessions €5,000 €5,000 €7,500 €10,000
Desktop Computers €1,000 €750 €1,500 €2,000
Laptop Computers €0 €750 €1,500 €2,000
Mobile Phone €0 €250 €500 €1,000
Landlords Property €5,000 €5,000 €5,000 €5,000
University Property On Loan €500 €500 €750 €1,000
Rental Protection €500 €500 €750 €1,000
Locks & Keys €250 €250 €500 €500
Personal Accident €10,000 €15,000 €20,000 €25,000
Accidental Death of a Parent €10,000 €10,000 €10,000 €10,000

There are 2 optional extensions available to the basic cover they are:

  1. Accidental Damage:
    • Covers accidental damage to audio equipment, camera equipment, desktop computer equipment, games consoles, television, video and DVD players.
      Please note that the maximum amount payable for any single item / pair or set is €1,000 (except desktop computer which has its own item limit supplied see above)
  2. Pedal Cycles:
    • Covers your pedal cycles against accidental damage or theft anywhere within the Republic of Ireland and Northern Ireland.
  3. All Risk – Specified Items:
    • Covers your specified items anywhere within the Republic of Ireland and Northern Ireland for loss or accidental damage from any of perils listed under the personal possessions section above. (Please note that Mobile Phones & Laptop computers should not be listed under this section as they have their own section).

No under the basic cover bicycles are not covered, however this student contents insurance has an optional extension to cover pedal cycles up to €1,000.

Is your bicycle is worth more than €1,000?

We can provide cover for pedal cycles via our separate standalone pedal cycle insurance policy up to €3,000 click here

Bikes covered:

  • Electric bikes | Mountain bikes | Lightweight high performance bikes
  • Titanium bikes | Carbon-fibre bikes | Folding bikes | BMX bikes | Children's bikes
  • Tandem bikes | Disability-modified bikes

Policy Limitations

  • No motorbikes or scooters covered
  • Your bike(s) must currently be worth €3,000 or less
  • Your bike(s) must currently be less than 3 years old

Whilst we hope you are happy with the cover provided by this policy, if after reading this insurance it does not meet your requirements you may cancel your policy by contacting us

Cancellation within 14 days of issue.

On the condition that no claims have been made or our pending. We will then refund your premium in full.

Cancellation after the first 14 days of issue.

If you wish to cancel your policy after 14 days you will be entitled to a pro-rata refund of your premium minus a €25 administration charge subject to you meeting the following criteria:

There have been no claims have been made or are pending.

Your premium is €60 or more.

There is 4 full months or more remaining on the policy.

If you wish to cancel your policy you can do this by:

Writing to us at:

Cover4students,
The Stables,
Old Co-op Yard,
Warwick Street, Manchester,
M25 3HB,
United Kingdom.

Or

Email us at: customerservices@cover4students.com

Please include the following information:

Your name.

Policy number.

Date of Birth.

A declaration that no claims have been made or pending on the policy.

Please note that cancellations can only be effective from the date that we receive notification, therefore it cannot be retrospective. We can also not cancel any policy in advance.

Should you wish to claim under your possessions insurance policy you should call the Claims Helpline on 01 207 5110 as soon as possible.

You must give us any information or help we ask for.

You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy wording.

Policies After–12/08/2016Policies Before–12/08/2016

NB: If the claim involves a loss of theft, malicious damage, vandalism or any other criminal activity you must report the incident to the Gardai within 24 hours of discovery.

  • We can ensure that cover is provided at your new accommodation as long as you contact us in advance to advise us of the new address and the date when you are moving.
    • You will be required to pay any difference in premium plus a €5 mid-term adjustment fee.
  • To change address you can either:
    • Call us on +44 161 772 3373
      (Office opening times are Monday to Friday between 9am and 5pm excluding public holidays).
    • Email us at: customerservices@cover4students.com
    • Write to us at:
      Cover4students,
      The Stables,
      Old Co-op Yard,
      Warwick Street,
      Manchester, M25 3HB,
      United Kingdom.
  • If you are writing or emailing us please include the following information:
    • Your name.
    • Policy number.
    • Current Insured Address.
    • New Address.
    • Date you wish the change to commence.
    • A contact telephone number Monday to Friday between 9am and 5pm so we can call you back to arrange payment and cover.
  • Please contact us either by phone or email stating the change that you wish to make. Most changes will require you to pay an additional premium along with a €5 mid-term adjustment fee. The additional premium is normally worked out on a pro-rata basis.
  • You can contact us by the following methods:
    • Call us on +44 161 772 3373
      (Office opening times are Monday to Friday between 9am and 5pm excluding public holidays).
    • Email us at: customerservices@cover4students.com
    • Write to us at:
      Cover4students,
      The Stables,
      Old Co-op Yard,
      Warwick Street,
      Manchester, M25 3HB,
      United Kingdom.
  • If you are writing or emailing us please include the following information:
    • Your name.
    • Policy number.
    • The change that you require to your policy.
    • Date you wish the change to commence.
    • A contact telephone number Monday to Friday between 9am and 5pm so we can call you back to arrange payment and cover.

Though this Irish student policy would not be suitable for a person studying in the UK, if you are going studying in the UK you can book through our UK site cover4students.com who specialise in UK student cover please click here for a quote

Though this student policy would not be suitable for a person studying abroad, if you are going to be studying abroad you can book a policy through our sister site cover4travel.com who specialise in study abroad insurance cover please click here for details

In order to get our best price – you will need to book a policy as if you were a new customer. Simply click on the product you require and follow the quick quote facility.
From our experience, students’ cover requirements and address details tend to change year-on-year. This process ensures that you have sufficient cover at our best price.

If at any point you wish to discuss your renewal with us, you can contact us via telephone or e-mail and a member of our Renewals Team will be happy to help.

CONTACT US VIA:

EMAIL: customerservices@cover4students.com

OR

PHONE US: +44 161 772 3373

Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays.

Telephone purchases are subject to an administration fee of €5.

REQUEST A CALL: customerservices@cover4students.com

The security of your personal and financial details is of paramount importance to us and as such we use one of the strongest available security systems to protect your communications with us.

HOW WE PROTECT YOUR DATA

Whenever you fill in an online form, such as a request for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:

SSL PREVENTS IMPERSONATION

You can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on either the padlock or the image below will reveal our Registration Certificate that is issued by Digi Sign Limited, a leading Internet security company.

SSL ENCTYPTS DATA

As soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.

SSL PREVENTS SCRAMBLING

SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check his code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.

It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the Complaints Procedure below:

Complaints regarding:

SALE OF THE POLICY

Please contact: Cover4students, The Stables, Old Co-op Yard, Warwick Street, Manchester M25 3HB, United Kingdom.

If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to:

Customer Relations Manager,UK General Insurance Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ, United Kingdom.

Email: customerrelations@ukgeneral.co.uk

CLAIMS

Please contact: Cunningham Lindsey, PO Box 76, Cardiff, CF11 1JX.

In the event of the issue not being resolved you may contact:

The Financial Services Ombudsman’s Bureau, 3rd Floor, Lincoln Place, Dublin 2 (Telephone 1890 882090 or (01) 662 0899)

Following the above procedures does not in any way affect your right to take legal action.