First Year Student Living In Halls?
| Specialist Insurance For: | Benefits Include: |
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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.
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:
There are also policy extensions available to cover items for:
We can provide tenant's liability insurance, up to £10,000, as a standalone policy on our essentials insurance product.
With our insurance for tenants, the basic cover provides tenants with essential protection such as:
| 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 Doesn't include lost keys; visit Key Protect for lost keys insurance. | £500 |
| Credit Cards | £500 |
| Personal Money | £50 |
| Legal Liability | £1,000,000 |
| Personal Accident | £10,000 |
| Policy Benefit | Sum Insured |
| I-Pads, Laptops & Portable Computers | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | Up To £3,500 |
| Accidental Damage | Item Limits Apply |
| Accidental Damage To Landlords Property | Tenants Liability | Up to £10,000 |
| Criminal Assault | Up To £500 |
| Legal Expenses | Up To £50,000† |
| Mobile Phones | Cover Anywhere Within The UK (Plus Up To 60 days Worldwide (Please note: The mobile phone must have been purchased within the UK or your Home Country and been used with a UK SIM card.)). | Up To £1,500 |
| Pedal Cycle | Cover Anywhere Within The UK (Within Europe For Up To 45 days) | Up To £3,000 |
| Unspecified Items | Cover Anywhere Within The UK | Up To £4,000 |
| Specified Items | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | Up To £3,000 |
| Excess Protection Cover | Up To £1,000 |
| Photographic Equipment | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | Up To £5,000 |
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 tenant's insurance.
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 Purchased after 01/08/2024 | Policies Purchased after 01/01/2024 |
 Policy Wording | Policy Wording |
| Claims Form | Claims Form |
| Policy IPID† | Policy IPID† |
| Policies Purchased after 01/08/2023 | Policies Purchased after 01/03/2023 |
| Policy Wording | Policy Wording |
| Claims Form | Claims Form |
| Policy IPID† | Policy IPID† |
For all claims except Legal Expenses claims:
Please fill in a claims form: Make A Claim
Cover4students.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4students.com at the following address:
Cover4students Claims Team,
Stream Claims Services,
Copthall House,
King Street,
Newcastle under Lyme,
ST5 1EL.
Telephone: 0161 974 1101
Check your student's contents insurance 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:
All claims for theft or loss must be reported to the police.
For all Legal Expenses (Section 6 only):
Legal Claims Notification & Advice Helpline Service:
– 0161 492 1639
– nonmotorclaims@financialandlegal.co.uk
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.
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:
If you have signed up to Instalment Payments for your policy.
Where the payment due date falls on a weekend or bank holiday, payment will be taken on the next available working day.
If there are any changes to the amount, date or frequency of your instalment payments we will notify you 10 working days in advance of your account being debited or as otherwise agreed.
By signing up to instalment payments you are agreeing to an automatic renewals scheme, this means that your student possessions policy will be automatically renewed and you will once again be enrolled on to the Instalment Payment scheme.
Should you wish to change your method of payment you must contact us at least 7 days before your next payment date by calling us on 0161 772 3390, or we may still collect your premium.
If you have any queries with respect to this notification, please contact our help centre on 0161 772 3390, otherwise, collections will commence and continue as detailed above.
If you pay your premium in monthly instalments and you fail to pay any of the monthly instalments which are due up to your next renewal date, we will contact you either by telephone, email or letter to resolve the matter. If the instalment(s) remain unpaid, we may cancel the policy by giving you 14 days written notice to your last known address.
Important: Your, Paid Annually, Tenants Possessions Insurance will not automatically renew.
Alternatively you can just book a new policy by clicking here.