0161 772 3382

Tenant Contents Insurance

Tenants Contents

Cover4Tenants Possessions Insurance

Specialist Insurance For:Benefits Include:
  • Graduates
  • Young Professionals
  • Students
  • Key Workers (Nurses etc.)
  • Cover up to £14,000
  • No Specific Lock Requirements
  • Low £25 Claims Excess
  • Optional Accidental Damage to Landlords Property Cover up to £10,000

Our Tenants possessions Insurance isn't just about giving you great value cover that helps you save money, it's also about giving you the flexibility so that you can tailor the cover to suit your needs.

To Take Out Tenant’s Contents Insurance You Do Not Need To Be The Home Owner!

What does a Tenants contents policy tend to protect me against?

The policy will cover you for the loss or damage to your property as a result of:

  • Theft or attempted theft
  • Fire
  • Explosion, lightning or earthquake
  • Smoke
  • Storm or flood
  • Escape of oil from fixed domestic heating installation
  • Escape of water from washing machines, dishwasher, refrigerator or freezer, fixed domestic water or heating installation.
  • Impact within the insured address involving a vehicle or animal (but will normally excluded domestic pets that you are responsible for).

There are also policy extensions available to cover items for:

  • Accidental Damage (Covers damage to audio equipment, camera equipment, computer equipment, games consoles, televisions, video and DVD players).
  • Option to cover specified items away from the home for theft or damage anywhere within the United Kingdom.
  • Increase your personal possessions to include items such as Mobile Phones, Pedal Cycles and Laptop Computers.
  • Accidental Damage to Landlord Property | Tenants Liability (Covers the amount you become legally liable to pay as damages under a formal tenancy agreement, following loss or damage to your landlords household goods, furniture and furnishings within the insured address, following accidental damage or damage by fire, storm, flood, theft, escape of water or similar causes).
    • Standard tenant's liability insurance cover is £5,000.
    • It may be increased to include accidental damage to the landlord's, furniture, fixtures and household goods, up to £10,000.

Benefits

Policy Benefit
Sum Insured
Personal Possessions
Up To £14,000
Desktop Computer Equipment
Item Limits Apply
Landlords Property | Tenant's Liability
£5,000
Liability for Rented Household Goods
Item Limits Apply
Replacement Locks and keys
£50
Credit Cards
£500
Personal Money
£50
Legal Liability
£1,000,000
Personal Accident £10,000


Optional Extensions

Policy Benefit
Sum Insured
Laptop & Portable Computer | Room Only
Up To £3,500
Laptop & Portable Computer | Anywhere Within The UK
Up To £3,500
Accidental Damage
Item Limits Apply
Accidental Damage To Landlords Property | Tenants Liability
Up to £10,000
Criminal Assault
£500
Legal Expenses
£30,000
Mobile Phone | Cover Anywhere Within The UK (Please note: The mobile phone must have been purchased within the UK).
Up To £1,000
Pedal Cycle | Cover Anywhere Within The UK (Within Europe For Up To 45 days)
Up To £3,000
Specified Items | Cover Anywhere Within The UK
Up To £3,000
Excess Protection Cover
£1,000



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 Tenants' Contents Insurance in the documents below which you will also receive when you purchase our tenants insurance.

Policies purchased after 01/08/2017:
Policies purchased up to 01/08/2016:
Adobe PDF Policy Wording Terms of BusinessPolicy Wording Adobe PDF
Adobe PDF Policy SummaryPolicy Summary Adobe PDF

Claims

For all claims except Legal Expenses claims:

Please fill in a claims form:  Claims Form

Cover4students.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4students.com at the following address:

Post:
Cover4tenants Claims Team,

Stream Claim Solutions,

60 Spring Gardens,

Manchester,

M2 2BQ.

Telephone: 0161 974 1101

Check your policy to ensure that the cause of the loss or damage is covered. Your schedule will show which cover sections are operative.

Please include the following details:

  • 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.

For all Legal Expenses claims:

Legal Claims Notification & Advice Helpline Service: - 01384 887575

We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.

Renewals

We'll be in touch...

About a month before the renewal date of your tenant's insurance policy we'll send you a renewal email. This email will contain details of how to renew the policy.

The email will include a saved quotation which will summarise:

  • The cover and price of your policy,
  • how to renew,
  • a copy of the policy wording and key facts documents.

Important: Your Tenants Possessions Insurance will not automatically renew.

Alternatively you can just book a new policy by clicking here.

Basic cover provides you with essential protection

Covering your personal possessions within the insured address up to a maximum of £12,000 on a "new for old" basis against loss or damage by fire, flood, storm, theft, escape of water and other similar causes (except clothing, linen and rented household goods where a deduction is made for "wear and tear").

Cover DescriptionSum insuredBasic Cover
Personal Possessions Within The Insured Address£2,000 — £14,000Included
Desktop Computer EquipmentItem Limits ApplyIncluded
Personal Accident£10,000Included
Credit/Debit Cards£500Included
Personal Money£50Included
Landlords Property | Tenants Liability£5,000Included
Legal Liability£1,000,000Included

Cover automatically includes:

  • Personal Accident Cover up to £10,000 — The policy provides a specified monetary benefit if you sustain injuries resulting from an accident within the United Kingdom which directly results in your death or disablement within 12 months of the accident.
  • Credit & Debit Card Cover up to £500 — Cover for fraudulent use of your credit & debit cards following theft from your insured address as a result of forcible and violent entry.
  • Personal Money Cover up to £50 — Cover for theft of personal money following forcible and violent entry to the insured address.
  • Landlords Property / Tenants Liability up to £5,000 — Cover for fire or theft damage to your landlord’s property for which you are legally liable.
  • Legal Liability Cover up to £1,000,000- For amounts you become legally liable to pay in respect of accidental bodily injury and damage to property.
  • Desktop Computer Equipment: Cover included automatically. Item limits apply (excludes accidental damage cover unless optional extension is taken)- The level of Desktop Computer Equipment cover is determined by the total sum insured.

Cover Description Sum InsuredCover
Laptop & Portable Computers | Room Only£500 — £3,500Optional
Laptop & Portable Computers | Anywhere Within The UK £500 — £3,500Optional
Criminal Assault £500Optional
Legal Expenses£30,000Optional
Accidental Damage Item Limits Apply Optional
Accidental Damage To Landlords Property | Tenants Liability£10,000Optional
Specified Items | Cover Anywhere Within The UK£0 — £3,000Optional
Mobile Phones£250 — £1,000Optional
Pedal Cycles£250 — £3,000Optional
Excess Protection Cover£125 — £1,000Optional

Basic cover can be extended to include the following items:

Cover Description Sum InsuredCover
Laptop & Portable Computers | Room Only£500 — £3,500Optional
Laptop & Portable Computers | Anywhere Within The UK £500 — £3,500Optional
Criminal Assault £500Optional
Legal Expenses£30,000Optional
Accidental Damage Item Limits Apply Optional
Accidental Damage To Landlords Property | Tenants Liability£10,000Optional
Specified Items | Cover Anywhere Within The UK£0 — £3,000Optional
Mobile Phones£250 — £1,000Optional
Pedal Cycles£250 — £3,000Optional
Excess Protection Cover£125 — £1,000Optional
  • Laptop & Portable Computers | Accommodation Only up to £3,500 — Cover for your laptop & portable computer equipment at your insured address against loss or damage by fire, flood, storm, theft, escape of water and other similar causes.
  • Laptop & Portable Computers Equipment | Anywhere Within The UK — Cover up to £3,500 for your laptop & portable computer equipment outside of the insured address for accidental damage or theft anywhere within the UK.
  • Criminal Assault: Cover up to £500 for costs incurred to you as a direct result of a criminal assault on you.
  • Legal Expenses: Cover up to £30,000 for Legal Expenses, covering disputes in relation to:
    • Personal Injury
    • Consumer Protection
    • Employment
  • Accidental Damage: Cover for accidental damage to audio equipment, camera equipment, computer equipment, games consoles, televisions, video and DVD players within the insured address.
  • Accidental Damage To Landlords Property | Tenants Liability up to £10,000: we will pay, at our discretion direct to the landlord, up to the a mount shown in your schedule, for sums which you become legally liable to pay as damages under the terms of a formal tenancy agreement in respect of:
    1. Your landlord’s household goods, furniture and furnishings within the insured address being damaged by:
      1. fire
      2. explosion, lightning or earthquake
      3. smoke
      4. storm or flood
      5. escape of water from any washing machine, dishwasher, refrigerator or freezer, fixed domestic water or heating installation
      6. theft or attempted theft, or
      7. accidental damage.
    2. Accidental damage to your landlord’s:
      1. fixed glass
      2. sanitary ware, and
      3. ceramic hobs in fixed kitchen appliances.
      4. household goods, furniture and furnishings.
    3. Accidental damage to drains, pipes, cables and underground tanks providing services to or from the insured address.
  • Specified Items | Anywhere Within The UK: Cover up to £3,000 for specified items outside of the insured address for theft or accidental damage occurring anywhere within the UK. (Excluding Laptop & Portable Computers, Mobile Phones and Pedal Cycles, which can be insured under separate optional extensions).
  • Mobile Phones: Cover up to £1,000 for accidental damage, accidental loss and theft occurring anywhere within the UK.
  • Pedal Cycles: Cover up to £3,000 for theft or accidental damage occurring anywhere within the UK.
  • Excess Protection: Cover up to £1,000

Tenant's Liability is included, up to £5,000, as stadard with an insurance for tenants contents policy.

However you can increase this amount up to £10,000, which includes accidental damage cover to the landlord's fixtures, fittings and furniture.

Tenant's liability/accidental damage to landlords property: We will pay, at our discretion direct to the landlord, up to the amount shown in your schedule, for sums which you become legally liable to pay as damages under the terms of a formal tenancy agreement in respect of:

  1. Your landlord’s household goods, furniture and furnishings within the insured address being damaged by:
    1. fire
    2. explosion, lightning or earthquake
    3. smoke
    4. storm or flood
    5. escape of water from any washing machine, dishwasher, refrigerator or freezer, fixed domestic water or heating installation
    6. theft or attempted theft, or
    7. accidental damage.
  2. Accidental damage to your landlord’s:
    1. fixed glass
    2. sanitary ware, and
    3. ceramic hobs in fixed kitchen appliances.
    4. household goods, furniture and furnishings.
  3. accidental damage to drains, pipes, cables and underground tanks providing services to or from the insured address.

Items are covered at the insured address or any other building where you are temporarily residing. The Tenants Possessions Insurance policy is an annual contract. Cover applies for one year from the date selected by you at purchase.

Standard Single Item Limits & Group Limits

Item and group limits are determined by the possessions sum insured.

  1. Audio Equipment
  2. TV, Video & DVD Players
  3. Photographic Equipment, Video Camera's & Camcorders
  4. Jewellery, Watches & other valuables
  5. Music, Video, DVD, Software & other data carrying media (£250 in total)
  6. Desktop Computer Equipment

Cover Description Sum InsuredCover
Laptop & Portable Computers | Room Only£500 — £3,500Optional
Laptop & Portable Computers | Anywhere Within The UK £500 — £3,500Optional
Criminal Assault £500Optional
Legal Expenses£30,000Optional
Accidental Damage Item Limits Apply Optional
Specified Items | Cover Anywhere Within The UK£0 — £3,000Optional
Mobile Phones£250 — £1,000Optional
Pedal Cycles£250 — £3,000Optional
Excess Protection Cover£125 — £1,000Optional

Optional cover extensions are limited to the amount shown in your policy schedule for each particular cover section.

Principal Exclusions:

  • The first £25 of any claim
  • The first £50 in respect of a laptop or portable computer claim
  • Landlords Property Tenants Liability (Accidental Damage Claims Only) is £100
  • Pedal Cycles Valued Over £1,000 is 10% Of The Pedal Cycle Value
  • Theft from unattended vehicles
  • Damage to sports equipment whilst in use
  • Mobile phones, Pedal Cycles, Laptop & Portable Computers unless specifically insured
  • Cover away from the insured address unless specifically insured
  • Items used for business purposes
  • Contact Lenses

No, basic cover does not include cover for laptop or portable computers as standard. Optional extensions are available in order to cover your laptop & portable computer equipment. You can choose to insure laptop or portable computers for accommodation only or Anywhere within the UK.

Accommodation Only:
Provides cover for your laptop for the standard perils (fire, flood, storm, theft, escape of water and other similar causes) whilst within your insured address up to a maximum of £3,500.

Anywhere Within The UK:
Provides cover for your laptop or portable computer equipment against accidental damage or theft anywhere within the UK up to a maximum of £3,500.

No, basic cover does not include cover for mobile phones. An optional extension for mobile phones is available.

If selected, your mobile phone is covered against accidental damage or theft whilst anywhere within the United Kingdom - up to a maximum of £1,000.

 

If you just require student mobile phone insurance, we have a standalone student insurance product that can cover mobile phones for up to a maximum of £1,000.

 

If you require cover for a mobile phone outside of the United Kingdom, then please see our separate standalone Mobile Phone Insurance product.

This separate product can cover a mobile phone up to £1,000 and includes 45 days worldwide cover per annum as standard.

Click Here for more info

No, basic cover does not include cover for your possessions outside of your accommodation. You can purchase optional extensions to cover items outside of your insured address, such as:

  • Specified Items | Cover Anywhere Within The UK
    (Cover up to £3,000 for specified items outside of the insured address for theft or accidental damage occurring anywhere within the UK. Excluding Laptop & Portable Computers, Mobile Phones and Pedal Cycles, which can be insured under separate optional extensions).
  • Laptop/Portable Computers
    Cover up to £3,500 for theft and accidental damage, anywhere whin the UK.
  • Mobile Phones
    Cover up to £1,000 for accidental damage, accidental loss and theft occurring anywhere within the UK.
  • Pedal Cycles
    Cover up to £3,000 for theft or accidental damage occurring anywhere within the UK).

Yes. The security of your personal and financial details is of paramount importance to us, and as such we use 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 the padlock will reveal our Registration Certificate that is issued by Digi Sign Limited, a leading Internet security company.

SSL encrypts 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 this 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.

All the information that we hold about you is protected by firewalls and a wide range of IT security measures.

For all claims except Legal Expenses claims:

Please fill in a claims form:  Claims Form

  1. Cover4students.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4students.com at the following address:
    Cover4tenants Claims Team,
    Stream Claim Solutions,
    60 Spring Gardens,
    Manchester,
    M2 2BQ.

    Telephone: 0161 974 1101
    Check your policy to ensure that the cause of the loss or damage is covered. Your schedule will show which cover sections are operative.
  2. Please include the following details:
    1. Receipts, bills, valuations or repair estimates as appropriate for all claims for loss or damage.
    2. 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.

For all Legal Expenses claims:

Legal Claims Notification & Advice Helpline Service: - 01384 887575

We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.

Instant cover can be arranged online or by phoning us on the number below. Whichever way you choose to take out your policy, as soon as you've paid, you're instantly covered.

Buy Online
Buy Tenants Possessions Insurance securely online and save £5**
Save money on your Tenants Possessions Insurance by buying securely online. Get instant cover online and pay no administration fees.
Annual premiums start from only £27·16*** online

Phone Us
0844 576 8369* or 0161 772 3382*

* For our joint protection calls may be monitored and/or recorded. Calls will be charged at a maximum 5p a minute from a BT line. Calls from non BT phone lines may vary. Telephone lines are open Monday to Friday 9:00am — 5:00pm excluding public holidays.
**Telephone purchases are subject to an administration fee of £5.
*** £27·16 annual premium includes Insurance Premium Tax and is only available online. Premium is based on Basic Cover whilst living in a BN1 postcode, with a sum insured of £2,000.

No, the mobile phone section can only cover mobile phones purchased within the United Kingdom.

Yes, we do not have an age restriction in relation to laptops & portable computers.