0161 772 3382

Student Contents Insurance

Student Contents Insurance

Specialist student possessions and contents insurance, with accidental damage to landlords property / tenant's liability as standard, up to £5,000, which can be increased to £10,000 with the addition of accidental damage cover for the landlord's fixtures, fittings and furniture, we can cover you whether you’re living in University Halls of Residence, a Privately Rented Student Property or Shared Accommodation.

Why choose Cover4Students for your student contents insurance?

  • Specialist Student Possessions Insurance.
  • Includes 'Walk In Theft' Cover.
    (No forcible entry needed and no locks on your room required).
  • Low £10 Claim Excess.
  • £5,000 Cover for Tenant's Liability for Landlord's Property as Standard.
  • Optional Accidental Damage to Landlords Property / Tenant's Liability up to £10,000 — Including Accidental Damage to the Landlord's Fixtures, Fittings & Furniture.

Why choose Cover4Students for Student Contents Insurance?

Tenants Liability — The policy come with an automatic cover of up to £5,000, for fire, theft and flood and can be extended to include, accidental damage to the landlord's furniture, fixtures and fittings up to £10,000.

Accidental Damage to Landlords Property | Tenants Liability—Optional cover, up to £10,000, available to insure against fire, theft, flood and accidental damage to the landlord's fixtures, furniture and fittings.

New for Old Cover—In most cases the 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.

Low Claim Excess—You only ever pay the first £10 of any claim under this student contents insurance policy.

Walk In Theft Cover—Walk in theft is a standard inclusion to the student contents insurance policy; whereby no lock on your room is required & no forcible entry into your room has to occur for a theft to be covered.

14 day cooling off period—If you decide for any reason that the student possessions insurance policy does not meet your requirements within 14 days of purchasing your student insurance policy. We offer a full refund of your student contents insurance premium guarantee, if you decided to cancel, provided no claim has been made or pending.

Specialist Student Possessions Insurer—Our student contents insurance polices are designed exclusively for students.

Covers Shared Accommodation—Insuring your contents in multi let properties as well as single lets.

Who can take out Student Possessions Insurance?

The student possessions insurance is designed for all students studying within the United Kingdom at University or College who live in private rented accommodation or designated halls of residence, including shared accommodation.

To be eligible for student contents insurance, the policyholder should be aged over 18 years on a full or part time university or college course.

NB: If you are aged under 18 but require student contents insurance, then it is possible to provide student insurance in certain circumstances, please contact our help centre for further information on: 0161 772 3390*. Office opening times are Monday to Friday 9am to 5pm excluding public holidays.

Policy Features

With our insurance for students the basic cover provides students with essential protection such as:

Policy Benefit
Sum Insured
Personal Possessions
Up To £14,000
Desktop Computer Equipment
Item Limits Apply
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

A range of optional extensions can be selected to suit your specific student contents insurance requirements please click the “Optional Extensions” tab to see the options available

Optional Extensions

We provide a range of optional extras so that you can choose the student contents insurance covers that you require.

Helping you tailor the student contents insurance to meet your needs and saving you money by only paying for you require.

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
Up To £3,500
Accidental Damage
Item Limits Apply
Accidental Damage To Landlords Property | Tenants Liability
Up To £10,000
Course Fees & Rental Protection
Up To £20,000
Mobile Phones | 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
Photographic Equipment| Cover Anywhere Within The UK
Up To £5,000
Musical Instruments | Cover Anywhere Within The UK
Up To £3,000
Personal Accident & Criminal Assault
Up To £50,000
Vacation Cover
£3,500
Legal Expenses
£30,000
Digital Download
£1,000
Examination & Coursework Cover
£250
Excess Protection Cover
£1,000
International Student Repatriation Cover
£5,000

Documents


It’s important that you read the Student Contents Insurance Policy Documents to make sure you understand exactly what’s covered, with our student contents & possessions insurance policy.

You can find out more about Students 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  Claims Form Policy Wording Adobe PDF
Adobe PDF Policy Summary Policy 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:

Cover4students Claims Team,

Stream Claim Solutions,

60 Spring Gardens,

Manchester,

M2 2BQ.

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:

  • 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 student insurance policy we'll send you a renewal email. This email will contain details of how to renew your student possessions insurance policy.

The email will include a saved student contents insurance 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 Students Possessions Insurance will not automatically renew.

Alternatively you can just book a new student contents insurance policy by clicking the quote button.

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 STUDENT POSSESSIONS INSURANCE SECURELY ONLINE AND SAVE £5**

Save money on your Student Possessions Insurance by buying securely online. Get instant cover online and pay no administration fees.

Annual premiums start from only £15·00*** online

PHONE US: 0161 772 3390*

* For our joint protection calls may be monitored and/or recorded. Calls will cost 7p plus your phone provider's price per minute charge. Telephone lines are open Monday to Friday 9:00am - 5:00pm excluding public holidays.

**Telephone purchases are subject to an administration fee of £5.

*** £15·00 annual premium includes Insurance Premium Tax and is only available online. Premium is based on Basic Cover whilst living in a Halls of Residence, with a sum insured of £2,000.

Basic cover provides you with essential protection.

Cover DescriptionSum InsuredBasic Cover
Personal Possessions Within The Insured Address£2,000-£14,000Included
Desktop Computer EquipmentItem Limits ApplyIncluded
Credit/Debit Cards£500included
Personal Money£50Included
College | University Property On Loan£250Included
Landlords Property | Tenants Liability£5,000Included
Accidental Death or Redundancy Of A Financially Supporting Parent Or Guardian£5,000Included
Legal Liability£1,000,000Included
Replacement Locks and Keys£50Included
Liability For Rented Household GoodsItem Limits ApplyIncluded
  • Covering your personal possessions within the insured address up to a maximum of £14,000 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 also automatically includes:

  • 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.

Sum InsuredDesktop Computer Equipment Cover
£2,000£500
£4,000£750
£6,000£1,000
£8,000£2,000
£10,000£2,500
£12,000£3,000
£14,000£3,500
  • 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.
  • College | University Property On Loan up to £250
    Covers college/university library books and property you have on loan whilst:
    • At your insured address
    • At home, or
    • In transit between the two.
  • Landlords Property | Tenants Liability up to £5,000
    Cover for theft or fire damage to your landlord’s property for which you are legally liable.
  • Accidental Death or Redundancy of a Financially Supporting Parent Or Guardian up to £5,000
    Provides finance allowing you to finish your course following:
    • Accidental death or redundancy; or
    • Accidental bodily injury or illness;
    of a parent or guardian on whom you are financially dependent to complete your course.
  • 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.

Basic Cover can be extended to include any of the following items:

Cover DescriptionSum Insured
Laptop & Portable Computers | Room Only£500 - £3,500
Laptop & Portable Computers | Anywhere Within The UK£500 - £3,500
Accidental DamageItem Limits Apply
Accidental Damage to Landlords Property | Tenants Liability£10,000
Course Fees & Rental Protection£4,000 - £20,000
Mobile Phones | Cover Anywhere Within The UK£250 - £1,000
Pedal Cycles | Cover Anywhere Within The UK£250 - £3,000
Musical Instruments | Cover Anywhere Within The UK£300 - £3,000
Photographic Equipment | Cover Anywhere Within The UK£100 - £5,000
Personal Accident & Criminal Assault£10,000 - £50,000
Vacation Cover£3,500
Legal Expenses£30,000
DIgital Download Cover£1,000
Examination & Coursework Cover£250
Excess Protection Insurance£125 - £1,000
Specified Items | Anywhere within the UK£1 - £1,000
Unspecified Items | Anywhere within the UK£1 - £1,000
International Student Repatriation Cover£5,000
Study Abroad | Cover Whilst Studying Outside The UK
Please note: There is no cover for any pre-existing medical conditions.
£5,000
  • Vacation Cover up to £3,500
    Cover for personal possessions at your insured address whilst you’re away during holidays.
    Please note: Vacation cover is automatically included whilst you are living in university designated, halls of residence.
  • Course Fees and Rental Protection cover up to £20,000.
    Cover for the reimbursement of non-refundable course fees and / or rent paid under a signed rental agreement if you are temporarily totally disabled as a result of:
    • Death of the insured
    • Sickness or accidental bodily injury which results in your disablement and you are unable to remain in your accommodation.
  • 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
    Cover for Legal Expenses, covering disputes in relation to:
    • Personal Injury
    • Consumer Protection
    • Employment
  • Accidental Damage cover.
    Cover accidental damage to audio equipment, camera equipment, computer equipment, games consoles, televisions, video and DVD players within the insured address. Please note that Single Item/Group Limits apply – Please see table below

Single Item/Group Limits

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

Sum InsuredSingle Item/Group Limits
£2,000£500
£4,000£750
£6,000£1,000
£8,000£2,000
£10,000£2,500
£12,000£3,000
£14,000£3,500
  • 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.
  • Personal Accident cover up to £50,000.
    The section 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.
  • Laptop & Portable Computers | Room 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 up to £3,500
    Covers for your laptop & portable computer equipment outside of the insured address for accidental damage or theft anywhere within the United Kingdom.
  • Specified Items | Anywhere Within The UK cover up to £1,000
    Covers for specified items outside of the insured address for theft or accidental damage occurring anywhere within the United Kingdom (excluding Mobile Phone, Laptop & Portable Computers, Pedal Cycles, Musical and Orchestral Instruments which can be insured under separate optional extensions).
  • Mobile Phones cover up to £1,000
    Covers for accidental damage, accidental loss and theft occurring anywhere within the United Kingdom. Cover also includes up to £250 for unauthorised calls if the phone is stolen.
  • Pedal Cycles cover up to £3,0000
    Covers for theft or accidental damage occurring anywhere within the United Kingdom.
  • Digital Download cover up to £1,000
    Cover for the cost of replacing digital downloaded pictures, movies, ring tones, real tones and music that you have paid for following the loss of computer equipment, MP3 / MP4 player, PDA, Smart phone or Hard Drive failure.
  • Examination and Coursework cover up to £250
    Covers to re-sit exams or reproduce coursework as a result of :
    • A burglary at the insured address;
    • The insured address being uninhabitable following a specified event;
    • Accidental death of a parent or guardian resident in the UK.
  • Musical Instruments cover up to £3,000
    Cover for your musical instruments against theft, accidental damage or loss occurring anywhere within the United Kingdom.
    We also pay the costs up to £100 of hiring a temporary replacement whilst the insured item is being replaced.
  • Unspecified Items | Anywhere Within The UK cover up to £4,000
    Cover for specified items outside of the insured address for theft or accidental damage occurring anywhere within the United Kingdom.
  • Photographic Equipment cover up to £5,000
    This section covers your photographic equipment up to £5,000 for theft, accidental loss or accidental damage occurring anywhere within the United Kingdom.
    Cover also includes:
    • Public Liability up to £1,000,000
    • Photographic Equipment Accessories up to £150
    • Replacement Photographic Equipment Hire up to £800 (£200 per week)
    • Coursework / Photographic Portfolio Cover up to £250

Items are covered at the insured address, your permanent home address or any other building where you are temporarily residing.

The Student Possessions Insurance policy is an annual contract. Cover applies for one year from the date selected by you at purchase.

Standard Single Item & Group Limits.

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

  1. Audio Equipment.
  2. TV, Video & DVD Players.
  3. Jewellery, Watches & other valuables.
  4. Music, Video, DVD, Software & other data carrying media (£250 in total).
  5. Desktop Computer Equipment.
Sum InsuredSingle Item/Group Limits
£2,000£500
£4,000£750
£6,000£1,000
£8,000£2,000
£10,000£2,500
£12,000£3,000
£14,000£3,500

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

PRINCIPAL EXCLUSIONS

  • Excess for all sections unless stated below is £10
  • Landlords Property Tenants Liability (Accidental Damage Claims Only) is £100
  • Pedal Cycles Valued Over £1,000 is 10% Of The Pedal Cycle Value
    Please note: no excess applies to replacement pedal cycle hire claims
  • Photographic Equipment Valued Over £1,000 is 10% Of The Photographic Equipment Value
    Please note: no excess applies to replacement photographic equipment hire claims
  • International Student Repatriation Cover is £75
  • Study Abroad | Cover Whist Studying Outside Of The UK is £100
    Please note: no excess applies to Hospital Benefit or Burial Costs/ Body Repatriation Claims
  • Theft from unattended vehicles.
  • Damage to sports equipment whilst in use.
  • Mobile phones, Pedal Cycles, Laptop & Portable Computers, Musical unless specifically insured.
  • Cover away from the insured address unless specifically insured.
  • Items used for business purposes.
  • Contact Lenses.

Yes. Tenant's liability for the landlords property is covered automatically.

The policy come with an automatic cover of up to £5,000, for fire, theft and flood and can be extended to include, accidental damage to the landlord's furniture, fixtures and fittings up to £10,000.

Yes. There is a limited amount of accidental damage to the lanlord's property included for fixed glass, sanitary ware, and ceramic hobs in fixed kitchen appliances.

Optional cover, up to £10,000, available to insure against fire, theft, flood and accidental damage to the landlord's fixtures, furniture and fittings.

No. The 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 United Kingdom 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, you can only insure mobile phones that were purchased with the UK.

No. The 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 specified items outside of the insured address for theft or accidental damage occurring anywhere within the United Kingdom (excluding Mobile Phone, Laptop & Portable Computers, Pedal Cycles, Musical and Orchestral Instruments which can be insured under separate optional extensions).
  • Unspecified Items | Anywhere Within The UK
    Cover for specified items outside of the insured address for theft or accidental damage occurring anywhere within the United Kingdom excluding Mobile Phone, Laptop & Portable Computers, Pedal Cycles, Musical and Orchestral Instruments which can be insured under separate optional extension.
    Important: No single item in this section can be valued more than £250
  • Laptop & Portable Computers Equipment | Anywhere Within The UK up to £3,500
    Covers for your laptop & portable computer equipment outside of the insured address for accidental damage or theft anywhere within the United Kingdom.
  • Mobile Phones| Cover Anywhere Within The UK
    Cover for accidental damage, accidental loss and theft occurring anywhere within the United Kingdom. Includes cover up to £150 for unauthorized calls if the phone is stolen.
  • Pedal Cycles | Cover Anywhere Within The UK
    Cover for theft or accidental damage occurring anywhere within the United Kingdom.
  • Photographic Equipment cover up to £5,000
    This section covers your photographic equipment up to £5,000 for theft, accidental loss or accidental damage occurring anywhere within the United Kingdom.
    Cover also includes:
    • Public Liability up to £1,000,000
    • Photographic Equipment Accessories up to £150
    • Replacement Photographic Equipment Hire up to £800 (£200 per week)
    • Coursework / Photographic Portfolio Cover up to £250
  • Musical Instruments | Cover Anywhere Within The UK
    Cover for your musical instruments against theft, accidental damage or loss occurring anywhere within the United Kingdom.
    We also pay the costs up to £100 of hiring a temporary replacement whilst the insured item is being replaced.

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 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 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:
    Cover4students 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.

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.

Yes, we do not automatically reinstate the cover for the section(s) you've claimed on.

If for example, you claim for your laptop, you will need to contact us to arrange reinstating this part of your policy.

You should contact our office on: 0161 772 3390*
Or
via email on: customerservices@cover4students.com.

So we can work out the premium to reinstate this cover for you.

How to renew your student possessions insurance policy?

  • You will be sent an email, roughly 1 month before your student possession insurance policy is due to expire.
  • Within the email there will be a link to your student possessions quotation.
  • Please just click the button to load you Student Insurance Quote
  • Please click this button and follow the online student booking process making any changes that are needed.
  • The booking process should pre-populate the information that you provided in your original student insurance booking (please note that this will exclude any changes that may have been made during the year such as a change of address).
  • As you go through the booking process please make any changes to the cover that you require this year to get the correct premium – for example change of student address, increases in cover required.
  • When you get to the payment page if your email contains a discount code please click the “Enter A Discount Code” button:

    Credit/Debit Card Details

    Name of Card Holder
    Card Type
    Card Number
    Card End Date
    Issue Number
    Security Code
    (Last 3 digits on back of card)
  • Now enter your discount code (please note that all codes are case sensitive) and press submit

You should now enter your payment details to complete your student possession insurance renewal.

Or If You Want To Set Up A New Policy

Simply click on our button 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 student contents & possessions insurance policy 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:

EMAIL US: customerservices@cover4students.com

PHONE US: 0161 772 3390 *

* Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays. Telephone purchases are subject to an administration fee of £5

If you would like to use our online chat facilities about our student contents insurance, please click here.

To make mid-term adjustments to your policy you can contact us either by:

Phone: 0161 772 3390*

* Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays. Telephone purchases are subject to an administration fee of £5

Or alternatively

Email us: customerservices@cover4students.com

Please note: that any requested policy change cannot be confirmed as having been effected, until we have issued you with a written confirmation, after any additional premium has been received by us.

If you require the change to be with immediate effect then please phone us.

Yes, if you are no longer a student and still living at the same address the policy will still cover you up until the renewal.

At renewal you will need to move to our tenant’s insurance product, which you can purchase online click here for more information on our tenant’s contents insurance product

Or by calling us on: 0161 772 3382*

* Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays. Telephone purchases are subject to an administration fee of £5

No, but we do have an alternative Tenant Possessions Insurance product which is designed for graduates , nurses & young professionals who live in private accommodation within the UK, including shared flats and houses.

Please visit our tenant’s webpage .

Or phone us: 0161 772 3382*

Why choose cover4tenants?

  • Premiums start from only £27·16 a year. **
  • Tenants Contents Insurance is underwritten by RSA
  • 14 Day Full Refund Guarantee.

    We're so confident that our cover and premiums are the best available in the UK, that we offer a 14 day full refund guarantee. If you find cover cheaper elsewhere or even if you simply change your mind, we'll provide you with a `hassle free` full refund of your premium

  • Low £25 claim excess. this is extended to £50 in respect of a laptop or portable computer

* For our joint protection calls may be recorded and/or monitored. Calls will cost 7p plus your phone provider's price per minute charge. Telephone lines are open Monday to Friday 9.00am-5.00pm excluding public bank holidays.

** £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 paying via debit card.

If you wish to cancel your policy there are 3 ways in which you can do this

  1. Write to us at the following address:
    Cover4students,
    UK & Ireland Insurance Services (Online) Limited,
    The Stables, Old Co-Op Yard,
    Warwick Street,
    Manchester,
    M25 3HB.
  2. Or email us at: customerservices@cover4insurance.com.

In order to process you cancellation we will need you to include the following information with your request to cancel

  • Policy holders name.
  • Policy number
  • Policy expiry date.
  • Reason for the cancellation.
  • A short declaration that no claims have been made on the policy.

Cancellation within 14 days of the date of purchase

You will be entitled to a full refund of the Insurance Premium you paid provided no claims have been made or are pending on the policy.

Cancellation after 14 days of the date of purchase

We offer a pro rata refund of your insurance premium less a £10 administration charge except where:

  • The notification of cancellation is received by us less than 4 months prior to the expiry date of the policy.
  • Your Insurance Premium is £40 or less in total.
  • You have claimed during the insurance period.

In all of the above cases no refund will be made

Walk in theft is a standard inclusion to the policy; whereby no lock on your room is required & no forcible entry into your room has to occur.