Claims

To start the claims process, please complete the correct Claims Form provided below.Before submitting your claim, please read your policy schedule to make sure you arecovered and have a valid claim.

Fill out the online claims form here: Claims Form

Phone: 0161 974 1101

Post:

Cover4insurance Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

If you have a valid claim obtain a claim form from cover4insurance.com. Complete andreturn it along with:

  • 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 accidentclaims.

All claims for theft or loss must be reported to the police.

To make a claim,

Please fill in our claims form: click here

Cover4insurance.com will deal with all claims. You must refer all correspondence and telephoneenquiries to cover4insurance.com at the following address:

Post:
Cover4tenants Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

Telephone: 0161 974 1101

Check your policy to ensure that the cause of the loss or damage is covered. Your schedule will showwhich cover sections are operative.

Please include the following details:

  • Receipts, bills, valuations or repair estimates as appropriate for all claims for loss ordamage.
  • 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.

We will not accept responsibility if the Claims Notification and Advice Helpline Services fail forreasons beyond our control.

To make a claim, if your policy number starts with C4BD202...

Please fill in our claims form: click here

Cover4insurance will deal with all claims. You must refer all correspondence and telephone esquiresto cover4insurance at the following address:

  • Stream Claim Solutions, Stream Claims Services, Copthall House, King Street, Newcastle underLyme, ST5 1EL.
  • Telephone: 0161 974 1101 Lines are open between 9am and 5pm Monday to Friday. Calls may berecorded for training, compliance and fraud prevention purposes.

Things You Must Do.

You must comply with the following conditions. If you fail to do so and this affects the ability ofthe claims administrator to fully assess your claim or keep our losses to a minimum, we may not payyour claim or any payment could be reduced.

  • All claims must be reported to the claims administrator as soon as possible but in any event,within 14 days of you becoming aware of an incident. You must complete a claim form (in full)and provide at your own expense, any information and assistance which the claims administratormay require in establishing the amount of any payment under your insurance.
  • You must provide evidence of ownership of your gadget or mobile phone to support any claim, andany other receipts or documents that we may request. If you cannot provide evidence ofownership, your claim will not be valid.
  • All thefts must be reported to the police within 24 hours of your discovery of the incident. Youmust provide the claims administrator with a crime reference number.
  • If your gadget or mobile phone is lost, you must obtain a lost property reference from thepolice or a lost property reporting service which is accredited by the police.
  • You must report the loss or theft of your mobile phone to your Network Provider within 24 hoursof the incident so they can block it and stop anyone else using it.
  • If your gadget or mobile phone is damaged, you must provide the gadget or mobile phone forinspection and repair.

For all claims except Legal Expenses claims:

Please fill in a claims form: Claims Form

cover4insurance.com will deal with all claims. You must refer all correspondence and telephoneenquiries to cover4insurance.com at the following address:

Cover4insurance Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

Telephone: 0161 974 1101

Check your student's contents insurance policy to ensure that the cause of the loss or damage iscovered. 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 ordamage.
  • 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 forreasons beyond our control.

If something’s gone wrong and you need to make a claim, don’t worry — we’ve tried to make it assimple as possible.

We have appointed rightpath claims to look after claims.

You can find full details of the claims procedure on page 35, & page 27 for the gadgets section,of the Policy Wording Document .

Medical Conditions:

This policy does not provide cover for any pre-existing medical condition/s that you have atthe time of purchase of this policy or had prior to the purchase of this policy.

Full details can be found within the policy wording .

Here Are The Contact Details For Making A Claim:

For all claims except Legal Expenses claims:

Please fill in a claims form: Claims Form

Cover4tenants.com will deal with all claims. You must refer all correspondence and telephoneenquiries to cover4tenants.com at the following address:

Post:
Cover4tenants Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

Telephone: 0161 974 1101

Check your policy to ensure that the cause of the loss or damage is covered. Your schedule will showwhich cover sections are operative.

Please include the following details:

  • Receipts, bills, valuations or repair estimates as appropriate for all claims for loss ordamage.
  • 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 forreasons beyond our control.

See Your Policy Documents For The Relevant Claims Instructions.

What to do if you need to make a claim

In the event your insured keys are lost, stolen or accidentally broken, or have been locked insideyour principal home or vehicle, you should contact our dedicated helpline straightaway on 01603567255.

This helpline is open 24 hours a day, 365 days a year. All calls are recorded for training purposes.Alternatively, you can notify claims by email to: claims@soterps.com.

Please have ready your policy number or the name of the organisation who sold you this insurance.

Please note the following important information:

  1. Be ready to provide the full address and postcode of your home and location of your vehicle andits registration number and supply as much information as possible about what has happened whichwill help us to give the best possible advice and decide on the most appropriate form ofassistance. If we agree to cover your claim, we will always appoint an authorised repairer.
  2. Under no circumstances should you instruct a locksmith or incur any other costs before we haveagreed to help as the insurer will not pay any costs incurred without our agreement.
  3. The authorised repairer will always aim to carry out repairs within the timescales given to youbut this may not always be possible and weather or traffic conditions or excessive demand couldadversely affect these timescales. We will always let you know of any delays as soon aspossible.
  4. If the cost of repairs or other forms of assistance are likely to exceed the maximum amount theinsurer will pay for each insured incident (see Meaning of words and terms – limit ofindemnity), the authorised repairer can continue to provide assistance, subject to youragreement, but you will be responsible for any additional costs.
  5. We will not provide cover for any loss, theft or accidental damage to your insured keys(including where your insured keys are locked inside your principal home or vehicle) where thisevent occurred or was known about before the start date of this insurance or within the firstten days of the start date of this insurance, or is reported to us more than 30 days after thedate you first knew about the claim.
  6. If we are unable to cover your claim then, subject to the extent of work required, we may stillbe able to arrange for an authorised repairer to help but this will be under a separateagreement between you and the authorised repairer and all costs will be your responsibility.