Basic cover provides you with essential protection
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 Description | Sum insured | Basic Cover |
Personal Possessions Within The Insured Address | £2,000 — £14,000 | Included |
Desktop Computer Equipment | Item Limits Apply | Included |
Personal Accident | £10,000 | Included |
Credit/Debit Cards | £500 | Included |
Personal Money | £50 | Included |
Landlords Property | Tenants Liability | £5,000 | Included |
Legal Liability | £1,000,000 | Included |
Cover automatically includes:
Cover Description | Sum Insured | Cover |
Laptop & Portable Computers | Anywhere Within The UK | £500 — £3,500 | Optional |
Criminal Assault | £500 | Optional |
Legal Expenses | £30,000 | Optional |
Accidental Damage | Item Limits Apply | Optional |
Accidental Damage To Landlords Property | Tenants Liability | £10,000 | Optional |
Mobile Phones | £250 — £1,000 | Optional |
Pedal Cycles | £250 — £3,000 | Optional |
Excess Protection Cover | £125 — £1,000 | Optional |
Unspecified Items | Covered Anywhere In The UK | £0 — £4,000 | Optional |
Specified Items | Cover Anywhere Within The UK | £0 — £3,000 | Optional |
Basic cover can be extended to include the following items:
Cover Description | Sum Insured | Cover |
Laptop & Portable Computers | Anywhere Within The UK | £500 — £3,500 | Optional |
Criminal Assault | £500 | Optional |
Legal Expenses | £30,000 | Optional |
Accidental Damage | Item Limits Apply | Optional |
Accidental Damage To Landlords Property | Tenants Liability | £10,000 | Optional |
Mobile Phones | £250 — £1,000 | Optional |
Pedal Cycles | £250 — £3,000 | Optional |
Excess Protection Cover | £125 — £1,000 | Optional |
Unspecified Items | Covered Anywhere In The UK | £0 — £4,000 | Optional |
Specified Items | Cover Anywhere Within The UK | £0 — £3,000 | Optional |
Standard Single Item Limits & Group Limits
Item and group limits are determined by the possessions sum insured.
Cover Description | Sum Insured | Cover |
Laptop & Portable Computers | Anywhere Within The UK | £500 — £3,500 | Optional |
Criminal Assault | £500 | Optional |
Legal Expenses | £30,000 | Optional |
Accidental Damage | Item Limits Apply | Optional |
Accidental Damage To Landlords Property | Tenants Liability | £10,000 | Optional |
Mobile Phones | £250 — £1,000 | Optional |
Pedal Cycles | £250 — £3,000 | Optional |
Excess Protection Cover | £125 — £1,000 | Optional |
Unspecified Items | Covered Anywhere In The UK | £0 — £4,000 | Optional |
Specified Items | Cover Anywhere Within The UK | £0 — £3,000 | Optional |
Optional cover extensions are limited to the amount shown in your policy schedule for each particular cover section.
Principal Exclusions:
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, basic cover does not include cover for laptop or portable computers as standard. An optional extension is available, in order to cover your laptop & portable computer equipment. You can insure laptop or portable computers Anywhere within the UK.
Anywhere Within The UK:
Provides cover for your laptop or portable computer
equipment against accidental damage or theft anywhere within the UK 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.
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No, 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:
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 encrypts 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
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.
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 Tenants Possessions Insurance securely online and save £5**
Save money on your
Tenants Possessions Insurance by buying securely online. Get instant cover online and pay no
administration fees.
Annual premiums start from only £31·06*** online
Phone Us
0844 576 8369* or 0161 772 3382*
* For our joint protection calls may be monitored and/or recorded. Calls will
be charged at a maximum 5p a minute from a BT line. Calls from non BT phone lines may vary.
Telephone lines are open Monday to Friday 9:00am — 5:00pm excluding public holidays.
**Telephone
purchases are subject to an administration fee of £5.
*** £31·06 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.