Portsmouth, University of

Students staying with one of our accommodation providers get contents insurance automaticallyincluded. To check your cover request your policy schedule and policy wording with Cover4Insurancebelow.

Once registered you will be:

• Emailed your policy documents.
• Entered into a free prize draw with a chance of winning £500^† winnerto be announced in early November 2024.
• Provided exclusive access to our Benefits Hub where you can access a huge variety of savings anddiscounts across many reputable retailers.
• You will be sent a 10% discount code for our Student Possessions Insurance when this policyexpires.
• ^† Competition Terms &Conditions

Benefits

How Much Am I Insured For?

Your possessions are insured inside of your accommodation for up to £10,000 in total, going up to £12,000 if you live with a partner and/or children or if you are registered disabled . In addition, a further £5,000 cover is provided for desktop computer equipment and £5,000 for laptops and tablets within your accommodation.

What Is Covered:

• Personal possessions within the insured address – up to £10,000.
• Personal possessions within the insured address if you live with a partner and/or children – up to £12,000.
• Personal possessions within the insured address if you are registered disabled – up to £12,000.
• 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 £100.
• Damage to clothing: failure of laundry equipment – up to £300.
• Desktop computer equipment | room only – up to £5,000.
• iPads, laptops & portable computer equipment | room only – up to £5,000.
• Vacation cover – up to £10,000.
• Accidental damage – up to £10,000.
• Personal accident – up to £50,000.
• Credit cards – up to £500.
• Personal money – up to £100.
• University property on loan / library books – up to £1,250.
• Landlords property | tenants 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.
• Mobile phones | room only – up to £1,000.
• Personal possessions from communal areas – up to £1,250.
• Musical instruments | room only – up to £1,000.
• Contact lenses – up to £150.

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 / Claims tab.

What Is Not Insured:

• The policy excess:
  Laptops & portable 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.
• Lost or stolen keys (visit Student Keyprotect if you require insurance for the loss of keys).
• Theft from vehicles (except where attended during transit at the beginning and end of each term).
• Cover outside of your accommodation (unless the basic cover is extended).
• Pedal cycles (unless the basic cover is extended).

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 £1,500.
• Clothing single item limit – up to £350.
• Jewellery, watches & other valuables – up to £1,250.
• Computer equipment – up to £5,000.
• Computer accessories – up to £150.
• Audio equipment, dvd and video players, computer games consoles, hard drives and other data carrying media – up to £1,250.
• Computer games, cds, dvds, videos, records etc – up to £600.
• Photographic equipment, video cameras and camcorers – up to £1,250.
• Sports equipment – up to £1,250.
• 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 appropriate 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.

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 £10,000 (excluding computer equipment)?
   If yes, you can extend the cover up to £20,000 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 '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, pedal cycles, photographic equipment 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 £5,000?
   If yes, you can extend the cover up to £10,000 by selecting the computer equipment top up.
4. (a) 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.
   (b) 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.
5. (a) 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.
   (b) Do you require cover abroad for your mobile phone?
   If yes, we can cover your mobile phone, including iPhone, Blackberry and Smart-phones up to 45 days Worldwide, for theft or damage.
   To get a quote or for more information please click here.
6. 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.

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.

Not In Halls?

If you are a student at the University of Portsmouth but won't be living in accommodation managed by them this year, you won't be covered by this scheme.

However, we're offering a 10% off our Student Possessions Insurance for University of Portsmouth students who are living in private accommodation. Just click on the link below where the 10% discount will be applied:

10% OFF STUDENT INSURANCE

If you're a former University of Portsmouth student or have graduated and would still like cover for your personal possessions and contents, we can also offer 10% off our tenant insurance. Just click the link below for a quote, the discount will be applied automatically:

10% OFF TENANTS INSURANCE