International Student House

Benefits

How Much Am I Insured For?

Your possessions are insured inside of your accommodation for up to £7,000 in total. In addition a further £2,500 cover is provided for computer equipment within your accommodation.

What Is Covered:

• Personal possessions within the insured address — up to £7,000.
• Replacement locks & keys — up to £350.
  This cover does not include lost keys; visit Keyprotect if you require insurance for lost keys.
• Food spoilage: failure of fridge/freezer — up to £75.
• Damage to clothing: failure of laundry equipment — up to £300.
• Mobile phone | room only - following forcible and violent entry — up to £1,000.
• Personal possessions from communal areas — up to £1,000.
• Musical instruments — up to £600.
• Contact lenses — up to £150.
• Desktop computer equipment | room only — up to £2,500.
• iPads laptops & portable computer equipment | room only — up to £2,500.
• Vacation cover — up to £7,000.
• Personal accident — up to £50,000.
• Credit cards — up to £500.
• Personal money — up to £50.
• College | university property on loan — up to £750.
• Landlord’s property | tenant’s liability — up to £5,000.
• Accidental death, injury or illness of a financially supporting parent or guardian — up to £5,000.
• Legal liability — up to £1,000,000.

Important: You may need to extend the basic policy cover to protect your valuable items such as your mobile phone, iPod, bicycle etc. if you are taking them out and about (travelling to and from university). You can view the optional extensions available to you by looking at 'Optional Extensions'.

Exclusions

We strongly recommend that you read the full terms contained in the policy wording document to see a full list of the terms and conditions that govern your policy with us. These can be downloaded from the Policy Documents tab.

What Is Not Insured:

• The policy excess:
  
  • Computer Equipment: The first £50 of any loss.
  • Food spoilage: The first £10 of any loss.
  • All other sections: The first £25 of any loss.
• Accidental damage (see optional extensions for cover options)
• Laptops and other gadgets such as tablets outside the room (see optional extensions for cover options)
• Mobile phones outside the room (see optional extensions for cover options)
• Pedal Cycle claims (see optional extensions for cover options)
• Any other items, taken outside the room (see optional extensions for cover options)
• Lost or stolen keys (visit Student Keyprotect if you require insurance for the loss of keys).
• Vehicles and crafts
• Dentures
• Any claims arising from:
• Deliberate or criminal acts by the insured person or their family
• Gradual causes including deterioration or wear and tear
• Computer viruses

Maximum Amounts Payable:

The following categories of items are subject to a maximum amount payable during the period of insurance.

• Personal possessions single item limit — up to £1,250.
• Clothing single item limit — up to £350.
• Computer equipment — up to £2,500.
• Computer accessories — up to £150.
• Jewellery, watches & other valuables — up to £600.
• Audio, DVD, video & other data carrying media — up to £1,000.
• Computer games, CDs, DVDs, videos & records — up to £600.
• Photographic equipment — up to £1,000.
• Sports equipment — up to £1.000.
• Musical instruments — up to £600.
• Rented household goods — up to £1,250.

Your Duty of Care

You must, at all times, take all reasonable steps to prevent accidents, loss and damage.

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 are covered and have a valid claim.

Fill out the online claims form here: Make a claim

Phone: 0161 974 1101

Post:

Cover4students Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

If you have a valid claim, complete apropriate claim form and return 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 accident claims.

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

Policies for the Year up to 30/09/2020.

For Claims related to Emergency Medical Expenses:

Contact the Emergency Assistance Service by Tel: +44 (0) 1733 224 892.

Claims for all other sections:

If you need to make a claim, please obtain a claim form no later than 31 days after the event.

Please telephone White Horse Administration Services Limited on +44 (0) 1733 224 845 or email claims@white-horse.ie

When you contact us, please ensure that you have the following information available to you, as we will require it to register your claim:

• Policy Number: C4INT/ISH/2017/1
• Your address in the United Kingdom
• Your home address
• Actual or intended travel dates
• Incident date
• Brief circumstances of your claim
• Value of your claim

Please note that your claim may be delayed if you are unable to provide us with the above information.

Optional Extensions

Our range of top ups allow you to insure the items that are most important to you.

By offering a range of top ups you have the flexibility to chooses the covers that are most important to you, whether that is to add cover for a mobile phone or musical instruments or you just want cover for items outside your accommodation we have an option to suit you. The additional cover options available are listed below:

Please note that your policy will expire when you move out of your student accommodation or when your Master Policy expires, whichever is sooner. Any extensions you make will also expire with the Master Policy.

Why Extend My Cover?

In order to help you decide if you need to top up your cover, we have devised a few standard questions:

1. Are your total possessions worth more than £7,000 (excluding computer equipment)?
   If yes, you can extend the cover, up to £14,000 by selecting the personal possessions top-up.
2. Do you take possessions outside of your accommodation, (Such as iPods, digital cameras, laptops, iPads etc.)?
   If yes, you need to look at either the 'Specified Items' or 'Unspecified Items' section.
   
   • For 'Specified Items' you will need to list the item (s) and value (s) up to a maximum of £3,000.
   • For 'Unspecified Items' you can cover personal possessions up to £4,000 in total with a single item limit of £500.
   Please note that musical & orchestral instruments, photographic equipment, pedal cycles and mobile phones cannot be covered under these sections as separate cover sections are available for these items.
3. Is your computer equipment worth more than £2,500?
   If yes, you can extend the cover, up to £4,500 by selecting the computer equipment top-up.
4. Do you require accidental damage cover?
   Accidental damage cover is excluded from the standard cover.
   An 'Accidental Damage' extension is available which will cover your 'Audio equipment, Computer Equipment, Games Consoles, Television, Video and DVD players against accidental damage whilst within the accommodation.
   Please note that accidental damage cover is automatically included for the following items where a top-up has been purchased:
   
   • Mobile Phone
   • Pedal Cycles
   • Musical Instruments
   • Photographic Equipment
   • Items listed under the "Specified Items | Cover Anywhere Within the UK" section
   • Items insured under the "Unspecified Items | Cover Anywhere Within the UK" section
5. Do you require cover for your pedal cycle?
   If yes, you will need to select the pedal cycle extension. This extension will cover your pedal cycle for theft or accidental damage anywhere within the UK up to £1,000.
6. Is your pedal cycle worth more than £1,000?
   If yes, we can cover your pedal cycle up to £3,000 via our separate standalone pedal cycle product. To get a quote or for more information please click here.
7. Do you require cover for your camera equipment?
   If yes, you will need to select the camera equipment extension. This extension will cover your camera equipment for theft or accidental damage anywhere within the UK up to £1,000.
8. Is your camera equipment worth more than £1,000?
   If yes, we can cover your camera equipment up to £5,000 via our separate standalone camera equipment product. To get a quote or for more information please click here.
9. Do you require cover for your mobile phone outside your accommodation?
   If yes, you will need to select mobile phone extension. This extension will cover your mobile phone for theft or accidental damage anywhere within the UK up to £1,000.
10. Do you require cover for your Course Fees?
    We offer a Tuition Fees and Rental Protection cover which will cover the cost of your tuition fees or rent if you're medically unable to continue studying your course through sickness or injury up to £20,000.

It is important that you understand that when you extend your cover you are taking out an individual insurance policy in addition to being covered under your University’s/Accommodation Provider’s Block Halls insurance policy.

Information About The UK

Sometimes the simplest information can be the most useful. Therefore please see below some handy information about the UK.

Emergency Services — If you or someone else is in a troublesome situation you may need to call the emergency services. The number is 999 and is free from a UK telephone. The operator will ask if you require the police, fire brigade or an ambulance.

Electricity — The power supply in the UK is 240 volts. Our plug sockets have 3 squared pins. You may need an adapter if your electrical items are a 2 pin plug; these can be picked up from a number of stores.

Opening Hours — Most shops in the UK are open between 9am-5pm Monday – Saturday. Supermarkets tend to open for longer 9am-10pm Monday – Saturday with some even being 24 hour. Supermarkets on a Sunday are generally open 10am-4pm with most shops adopting a similar pattern. Office opening times are generally 9am-5pm.

Weights And Measures — UK roads are measured in miles and the speed is measured in miles per hour. Drinks are measured in pints but for shots we use millilitres. The weight of a person is generally measure in stones and ounces, however most other things are measured using the metric system. For example in a supermarket you would measure food in grams and drinks in litres and the temperature in Degrees Celsius.