If you have been informed by your student accommodation provider that you have The Warehouse cover, there is some good news; you automatically have a basic level of insurance cover in place with us.
This insurance will provide a range of cover for your possessions within your accommodation such as cover for your laptop, electrical goods, clothes and sports equipment. This insurance has been arranged by your accommodation provider with Cover4Students.
You will find a summary of the cover in the tabs. We recommend that you download and read the policy schedule and policy wording; ensuring that you understand the cover provided and that it is suitable for your needs.
You may find that you need more cover than is provided already. Don't worry - there is a section below listing the range of optional top up covers that are available. For example, you may wish to insure items outside of your student accommodation such as a laptop or tablet or you may wish to add Mobile Phone Insurance (as Mobiles are excluded from the basic cover).
Get exclusive access to our Benefits Hub where you can access discounts up to 75% off well-known brands.
Enter a free competition to win £500
By confirming your cover you get access to our Benefits Hub where you can access discounts up to 75% off well-known brands.
Competition Terms and Conditions
ENTRY
1. Entrants must provide their email address when entering the competition 2. All entries must be received no later than 31st. October, 2023. 3. Only one entry per person. 4. Only online entries to the competition page will be accepted.
ELIGIBILITY
5. The competition is open to students in full or part-time education in the UK or Ireland. 6. This competition is not open to employees or contractors of UK & Ireland Insurance Services (Online) Limited and their families.
WINNER SELECTION & NOTIFICATION
7. All valid email addresses will be entered into a draw. 8. The winner will be randomly selected on or around the 01st. November 2023. 9. UK & Ireland's decision is final and no correspondence will be entered into. 10. The winner will be contacted within 15 days of the competition draw date, using the email address they entered. 11. The winner is required to respond to the notification of winning, within 30 days of receipt, in order to claim the prize. Failure to do so will result in the prize being forfeited and another winner will be selected.
PRIZES
12. The winner will receive £500/€500. This amount is based on the estimated cost of one terms rent. The prize must be taken as stated and cannot be deferred. 13. The prize will be paid by cheque, the cheque being made out to the winner only. 14. If the cheque is not cashed within 6 months of its date, the cheque will be cancelled. In this event, the competition will be deemed to be null and void and no further cheque will be written. 15. There will be no prize alternatives.
ENTRANT CONDUCT
16.Entrants will be deemed to have accepted these rules and to agree to be bound by them when entering this competition. 17.Entrants must supply full details as requested, and comply with all rules to be eligible for the prize.
COMPETITION INFORMATION
18. UK & Ireland Insurance Services (Online) Limited is promoting this competition. 19. UK & Ireland Insurance Services (Online) Limited reserves the right to cancel the competition at any stage, if deemed necessary in its opinion, and if circumstances arise outside of its control.
PERSONAL INFORMATION COLLECTION STATEMENT
The information collected from you will only be used for the purpose of processing your application, managing your account and to update you about similar products and services offered by UK & Ireland Insurance Services (Online) Limited.
Information we collect about you will not be disclosed to any third party without your prior consent or the requestors’ demonstrated legal authority to receive it.
You have the right to access your information at any time to check whether it is accurate and up to date. (We charge £10 for information requests). If you wish to access any information we hold about you contact us in writing at the following address: Data Protection Officer, UK & Ireland Insurance Services (Online) Limited, The Stables, Old Co-Op Yard, Warwick Street, Manchester, M25 3HB.
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 and Conditions
ENTRY
1. Entrants must provide their email address when entering the competition 2. All entries must bereceived no later than 31st October 2024. 3. Onlyone entry per person. 4. Only online entries to the competition page will be accepted.
ELIGIBILITY
5. The competition is open to students in full or part-time education in the UK. 6. Thiscompetition is not open to employees or contractors of UK & Ireland Insurance Services (Online)Limited and their families.
WINNER SELECTION & NOTIFICATION
7. All valid email addresses will be entered into a draw. 8. The winner will be randomly selectedon or around the 01st November 2024. 9. UK &Ireland's decision is final and no correspondence will be entered into. 10. The winner will becontacted within 15 days of the competition draw date, using the email address they entered. 11.The winner is required to respond to the notification of winning, within 30 days of receipt, inorder to claim the prize. Failure to do so will result in the prize being forfeited and anotherwinner will be selected.
PRIZES
12. The winner will receive £500. This amount is based on the estimated cost of one terms rent. Theprize must be taken as stated and cannot be deferred. 13. The prize will be paid by cheque, thecheque being made out to the winner only. 14. If the cheque is not cashed within 6 months of itsdate, the cheque will be cancelled. In this event, the competition will be deemed to be null andvoid and no further cheque will be written. 15. There will be no prize alternatives.
ENTRANT CONDUCT
16.Entrants will be deemed to have accepted these rules and to agree to be bound by them whenentering this competition. 17.Entrants must supply full details as requested, and comply withall rules to be eligible for the prize.
COMPETITION INFORMATION
18. UK & Ireland Insurance Services (Online) Limited is promoting this competition. 19. UK& Ireland Insurance Services (Online) Limited reserves the right to cancel the competition atany stage, if deemed necessary in its opinion, and if circumstances arise outside of its control.
PERSONAL INFORMATION COLLECTION STATEMENT
The information collected from you will only be used for the purpose of processing your application,managing your account and to update you about similar products and services offered by UK &Ireland Insurance Services (Online) Limited.
Information we collect about you will not be disclosed to any third party without your prior consentor the requestors’ demonstrated legal authority to receive it.
You have the right to access your information at any time to check whether it is accurate and up todate. (We charge £10 for information requests). If you wish to access any information we hold aboutyou contact us in writing at the following address: Data Protection Officer, UK & IrelandInsurance Services (Online) Limited, The Stables, Old Co-Op Yard, Warwick Street, Manchester, M253HB.
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 £2,000 cover is provided for computer equipment (including laptops) 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.
Desktop computer equipment | room only — up to £2,000.
Ipads laptops & portable computer equipment | room only — up to £2,000.
Vacation cover — up to £4,000.
Personal accident — up to £50,000.
Credit cards — up to £500.
Personal money — up to £50.
College | university property on loan — up to £750.
Landlords property | tenants liability — up to £5,000.
Legal liability — up to £1,000,000.
Mobile phone | room only — up to £1,000.
Personal possessions from college / university & student union buildings — up to £500.
Personal possessions from communal areas — up to £1,000.
Musical instruments | room only — up to £600.
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).
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:
Pedal cycles valued over £1,000† – 10% of the pedal cycle value.
Photographic equipment valued over £1,250‡ – 10% of the photographic equipment value.
iPads laptops & portable computer equipment | room only £50.
All other sections £25.
Lost or stolen keys (visit Student Keyprotect if you require insurance for the loss of keys).
Contact lenses.
Pedal cycles and mobile telephones (unless the basic cover is extended).
Cover outside of your accommodation (unless the basic cover is extended).
†Cover for pedal cycles only applies when the relevant policy top up / optional extension has been purchased in addition to the master policy. ‡Cover for photographic equipment over £1,250 only applies when the relevant policy top up / optional extension has been purchased in addition to the master policy.
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 £1,167.
Computer equipment — up to £2,000.
Audio equipment — up to £1,167.
Tv, games consoles, video and dvd players — up to £1,167.
Photographic equipment, video camera’s & camcorders — up to £1,167.
Sports equipment £1,167.
Jewellery, watches & other valuables — up to £1,167.
Liability for rented household goods — up to £1,167.
Music, video, dvd, software & other data carrying media — up to £350.
Your Duty of Care
You must, at all times, take all reasonable steps to prevent accidents, loss and damage.
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.
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:
Policy Benefit
Included
Upgrade up to
Personal Possessions
£7,000
£14,000
Computer Equipment
£2,000
£4,000
Course Fees and Rent Cover
No
£20,000
Criminal Assault
No
£500
Legal Expenses
No
£30,000
Accidental Damage
No
£4,000
Accidental Damage To Landlords Property | Tenant's Liability
No
£10,000
Accidental Death, Injury or Illness of A Financially Supporting Parent or Guardian
No
£5,000
Mobile Phones | Anywhere in the UK (plus up to 60 days Worldwide)
No
£1,500
Pedal Cycles | Anywhere in the UK (plus up to 60 days in Europe)
No
£3,000
Digital Download
No
£1,000
Exam and Coursework Cover
No
£250
Photographic Equipment | Anywhere in the UK (plus up to 60 days Worldwide)
No
£5,000
Musical Instruments | Anywhere in the UK
No
£3,000
Excess Protection Insurance
No
£1,000
Specified Items | Anywhere within the UK (plus up to 60 days Worldwide)
No
£3,000
Unspecified Items | Anywhere within the UK (plus up to 60 days Worldwide)
No
£4,000
Extra Covers For International Students
International Student Repatriation
No
Up To £5,000
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.
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