0161 772 3382

Student Contents Insurance

Student Contents Insurance

Specialist student possessions and contents insurance, 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
  • New for Old Cover
  • Includes 'Walk In Theft' Cover
    (no forcible entry needed and no locks on your room required)
  • Low £10 Claim Excess

Why choose Cover4Students for Student Contents Insurance?

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.

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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
Legal Expenses
Digital Download
Examination & Coursework Cover
Excess Protection Cover
International Student Repatriation Cover


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.

Policy Wording

Policy Summary

Claims Form


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,


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.


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.