Sheffield Hallam University

Benefits

How Much Am I Insured For?

Your personal possessions are insured whilst inside your accommodation for up to £10,000 in total. In addition, a further £2,500 cover is provided for computer equipment (including laptops) within your accommodation. If you live with a partner and/or children, possessions cover is increased to £12,000 in total and computer equipment is increased to £4,000.

• 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 as disabled — up to £12,000.
• Personal possessions within the insured address if you are a university staff member living in standard or family units — up to £10,000.
• Replacement locks & keys — up to £500.
  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 £350.
• Desktop Computer Equipment | room Only — up to £2,500
• Desktop computer equipment | room only, if you are registered as disabled — up to £4,000
• Ipads laptops & portable computer equipment | room only — up to £2,500.
• Ipads laptops & portable computer equipment | room only If you are registered as disabled — up to £4,000.
• Vacation cover — up to £10,000.
• Personal accident — up to £50,000.
• Credit cards — up to £500.
• Personal money — up to £100.
• College | university property on loan — up to £750.
• College | university property on loan if you are registered as disabled — up to £1,000.
• Landlords property | tenants liability — up to £5,000.
• Accidental death of a financially supporting parent or guardian — up to £5,000.
• Legal liability — up to £1,000,000.
• Mobile phone | room only — up to £1,000.
• Personal possessions from communal areas — up to £1,000.
• Musical instruments — up to £1,250.
• 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 these extensions in the 'Optional Extensions' tab above.

Exclusions

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

What Is Not Insured:

• The first £25 of any loss (this is reduced to £10 for food spoilage claims). 
• 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).
• Pedal cycles (unless the basic cover is extended).
• Photographic equipment (unless the basic cover is extended).
• Cover outside your accommodation (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 £1,250.
• Computer equipment — up to £2,500.
• Jewellery, watches & other valuables — up to £1,250.
• Audio, DVD, video & other data carrying media — up to £1,250.
• Computer games, cd's, DVDs, videos & records — up to £600.
• Rented household goods — up to £1,167.

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 obtain a claim form from cover4students.com. Complete 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 within 24 hours.
  

Optional Extensions

Our range of top ups allow you to insure the items that are most important to you; Mobile Phones, Cameras, Watches, Jewellery etc outside your accommodation which are not covered under your existing basic policy. 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 £18,000 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 £5,000 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
5. Do you require cover for your pedal cycle?
   Items insured under the "Unspecified Items | Cover Anywhere Within the UK" section
   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 mobile phone?
   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.
8. 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.

Extend Your Students Contents Insurance Policy

Not In Halls?

If you are a student at Sheffield Hallam University 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 Sheffield Hallam University 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 Sheffield Hallam University 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