First Year Student Living In Halls?
If you just want to insure yourself for your Tuition/Course Fees then look no further. We can offer a standalone insurance product that will cover these items without having to take out a basic level of possessions insurance first.
Now that you have booked your course and or accommodation, it’s time to think about making sure that your investment in learning is protected.
Cancelling a booking, especially at the last minute or part way through, can be costly. You can usually expect to lose your deposit, but it is also becoming more common that that you would be expected to pay the whole cost of your course or tenancy agreement. After all, your booking with the University or your landlord is a legally binding contract.
So what would happen if you were unable to attend your University course, live in your accommodation if you suffered a sickness, bodily injury which resulted in your disablement?
That is where our tuition fees and rental protection cover would come in – well meet the costs of the pre-booked course fees and/or the cost of your rental agreement for your accommodation that you are contracted to pay up to the sum insured that you select.
At Cover4students we understand that you may already be covered for your personal possessions within your accommodation via a University Block Insurance scheme (i.e. If you are in halls of residence) or by your parents’ home insurance policy – so why should you have to take out a full contents insurance policy to get tuition/course fees covered.
Well now you don’t, Cover4students has developed a product insurance cover that allows you to just cover the items you require such as your tuition fees or rental protection.
You can get a quote in seconds; all we need to know is the total value that you wish to insure your tuition/course fees and rental protection up to. NB: If you are wishing to cover the tuition/course fees and rent then this should be the combined total – i.e. £9,000 course fees and £4,000 rent, means you should select a sum insured of £13,000.
Cover can be taken out instantly and policy documents will be emailed to you. Please note that there is a 14 day deferred period on the tuition fee and rental protection cover. We also offer a 14 day cooling off period meaning if you decide for any reason that the policy does not meet your requirements within 14 days. We offer a full refund of your premium guarantee if you decide to cancel provided no claim has been made or pending.
If you purchase student tuition fees insurance from Cover4Students, we will send you an email confirming your purchase of cover and provide you with your personal policy schedule, policy wording and policy summary documents.
You will also have the option for a printed copy to be sent via post subject to an additional postage premium being paid.
We also provide the option below for you to view and download the Policy Wording and Policy Summary documents so that you can view prior to purchase or at any time after.
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.
The insurance for students 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 01/11/2025 | Policies Purchased Before 01/11/2025 | |
 Policy Wording | Claims Form | Policy Wording† |
| Policy IPID† | Policy IPID† | |
| Policies Purchased after 01/08/2023 | ||
 Policy Wording | Claims Form | |
| Policy IPID† | ||
| Policies Purchased after 01/03/2023 | Policies Purchased up to 01/03/2023 | |
| Policy Wording | Claims Form | Policy Wording |
| Policy IPID† | Policy IPID† |
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:
Cover4 Insurance Claims Team,Davies Group Ltd,
PO BOX 2801,
Stoke on Trent
ST4 9DN.
Telephone: +443450308105.
Email: Cover4claims@davies-group.com.
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 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 strongly recommend that you read the policy wording document to see a full list of the terms and conditions that apply to your policy with us. These can be downloaded from the Policy Documents Tab.
You must, at all times, take all reasonable steps to prevent accidents, loss and damage.
What courses do you cover?
All educational courses within the United Kingdom, such as: a University degree course or apprenticeship at a residential centre.
Is there an age limit on the policy?
Yes, we are only able to cover people who are aged between 16 and 74.
Can I get cover today?
You can purchase a policy today, but there is a 14 day deferred period before cover will be in place. Basically means that if an incident that would give rise to a claim happened within the first 14 days of you purchasing this policy then this claim would be excluded from cover. If it happens on the 15 day or after then it would be covered.
I am an international student can I take out this insurance?
Yes – please note that if a claim occurs for an accident or sickness we would require a doctor’s certificate from a practising qualified medical practitioner in the UK.
I have a pre-existing medical condition can I be covered for this?
No. unfortunately all pre-existing medical conditions would be excluded from cover.
What is a pre-existing medical condition?
Any condition, injury, illness, disease or related conditions and/or associated symptoms, whether diagnosed or not, which in the 12 month period immediately prior to the start of insurance:
What is Tuition Fee Insurance?
Tuition fee insurance is an insurance policy designed to protect a student attending cost-incentivise educational institutions (college or university) from the financial loss that may result from the student’s involuntary withdrawal from their studies due to death, sickness or accidental bodily injury which results in the students disablement and being unable to attend there course.
What is Rental Projection Insurance?
Rental protection insurance is an insurance policy designed to protect a student’s from a landlords who will not release them from there tenancy agreement if the student is unable to remain in their rented accommodation due to death, sickness or accidental bodily injury which results in the students disablement.
Has your college/university achieved Highly Trusted Status (HTS) on the UKvI Tier 4 Sponsor list?
If not then you are not eligible to take out the tuition fees & rent protection insurance policy.
You can check if your college/university has attained HTS on the tier 4 sponsor list, by clicking here.
Just put the name of your college/university in the search window of the UKBA Tier 4 Register page and it will tell you if they are on the register or not.