Union House Management

Students staying with one of our accommodation providers get contents insurance automatically included. To check your cover request your policy schedule and policy wording with Cover4Insurance below.

Once registered you will be:

• Emailed your policy documents.
• Entered into a free prize draw with a chance of winning £500^† winner to be announced in early November 2023.
• Provided exclusive access to our Benefits Hub where you can access a huge variety of savings and discounts across many reputable retailers.
• You will be sent a 10% discount code for our Student Possessions Insurance when this policy expires.
• ^† Competition Terms & Conditions

Benefits

How Much Am I Insured For?

Your possessions are insured inside of your accommodation for up to £7,000 in total, going up to £8,000 if you are registered disabled . In addition, a further £2,000 cover is provided for desktop computer equipment and £2,000 for laptops and tablets within your accommodation.

• Personal possessions within the insured address — up to £7,000.
• Personal possessions within the insured address if you are registered as disabled — up to £8,000.
• 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 £2,000.
• iPads laptops & portable computer equipment | room only — up to £2,000.
• 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.
• Emergency accommodation — up to £350.

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).

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 policy excess:
  • Food spoilage: failure of fridge /freezer – £10.
  • Desktop computer equipment | room only – £50.
  • iPads laptops & portable computer equipment | room only – £50.
  • Pedal cycles valued over £1,000^† – 10% of the pedal cycle value.
  • Photographic equipment valued over £1,000^‡ – 10% of the photographic equipment value.
  • All other sections – £10.
• Lost or stolen keys (visit Student Keyprotect if you require insurance for the loss of keys).
• Theft from vehicle (except where attended during transit at the beginning and end of each university term).
• Pedal cycles over £500 (unless the basic cover is extended).
• Photographic equipment (unless the basic cover is extended).
• Cover outside of 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
• Clothing single item limit — up to £350
• Computer equipment — up to £2,000
• Computer accessories — up to £150
• Jewellery, watches & other valuables — up to £1,167
• Audio, DVD, video & other data carrying media — up to £1,167
• Computer games, CDs, DVDs, videos & records — up to £600
• Photographic equipment — up to £1,167
• Sports equipment — up to £1,167
• 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 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.

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. Do you take possessions outside of your accommodation? (Such as iPods, 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.
2. Is your computer equipment worth more than £2,000?
   If yes, you can extend the cover up to £4,000 by selecting the computer equipment top up.
3. 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
4. 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 £3,000.
5. Do you require cover for your photographic equipment?
   If yes, you will need to select the pedal photographic equipment extension. This extension will cover your camera equipment for theft or accidental damage anywhere within the UK up to £5,000.
6. 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.
7. 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.

Not In Halls?

If you are a student but won't be living in accommodation managed by Union House Management this year, you won't be covered by this scheme.

However, we're offering a 10% off our Student Possessions Insurance for Union House Management 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 Union House Management resident 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