1 min read
18th August 2022

Comparison Of Cover Between Cover4insurance And StudentGuard

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Contents/Posessions Insurance





Cover4insurance has developed our specialist student insurance products to help students protect their possessions at the most affordable prices and designed around student lifestyles and budget.

Don't forget when purchasing an insurance policy, to check out what the excesses are on a policy, here is a comparison of our excesses and those of Student Guard:

Cover4 Insurance Excesses Student Guard Excesses
Cover4 Standard Excess £10 Student Guard Standard Excess £25
Cover4 Laptops (UK &: 60 days Worldwide) Excess £10 Student Guard (UK &: 60 days Worldwide) Excess £100
Cover4 Mobile Pones (UK &: 60 days Worldwide) Excess £10 Student Guard Mobile Pones (UK &: 60 days Worldwide) Excess £100
Information valid as of 21/08/2023.

We have arranged possessions and contents insurance, with 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.

Here is a comparison of cover4insurance and student guard student contents insurance cover:


Cover4Student Guard
Contents within address£2k - £14k£5k - £12.5k
LaptopsOptional £500 - £3,500 No age limitOptional away from premises 4 years age limit
Accidental DamageOptionalOptional
Accidental Damage to Landlord's PropertyOptional - £10kN/A
Course Fee/Rental ProtectionOptional £4k - £20kN/A
Mobile PhonesOptional £500 - £1,500Optional
Pedal CyclesOptional £250 - £3,000Max £300 in accommodation only
Musical InstrumentsOptional £300 - £3,000Optional away from premises
Personal AccidentOptional £10k - £50kIncluded
Photographic EquipmentOptional £100 - £5kOptional away from premises
Vacation CoverOptional £3,500N/A
Legal ExpensesOptional £30kN/A
Digital DownloadOptional £1,000N/A
Exam & Coursework CoverOptional £250N/A
Excess ProtectionOptional £125 - £1,000N/A
International Student RepatriationOptional £5,000N/A
Landlords PropertyIncluded £5,000Included £5,000
Liability for Rented HH GoodsIncluded – Single article limit appliesN/A
Replacement LocksIncluded £500Included £250
Credit CardsIncluded £500N/A
Personal MoneyIncluded £50N/A
University Property on LoanIncluded £750Included -max £500
Accidental Death/Injury of Supporting Parent/GuardianIncluded £5,000N/A

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