First Year Student Living In Halls?
| Specialist Insurance For: | Benefits Include: |
|
|
Our Tenants possessions Insurance isn't just about giving you great value cover that helps you save money, it's also about giving you the flexibility so that you can tailor the cover to suit your needs.
What does a Tenants contents policy tend to protect me against?
The policy will cover you for the loss or damage to your property as a result of:
There are also policy extensions available to cover items for:
We can provide tenant's liability insurance, up to £10,000, as a standalone policy on our essentials insurance product.
With our insurance for tenants, the basic cover provides tenants with essential protection such as:
| Policy Benefit | Sum Insured |
| Personal Possessions | Up To £14,000 |
| Desktop Computer Equipment | Item Limits Apply |
| Landlords Property | Tenant's Liability | £5,000 |
| Liability for Rented Household Goods | Item Limits Apply |
| Replacement Locks and keys Doesn't include lost keys; visit Key Protect for lost keys insurance. | £500 |
| Credit Cards | £500 |
| Personal Money | £50 |
| Legal Liability | £1,000,000 |
| Personal Accident | £10,000 |
| Policy Benefit | Sum Insured |
| I-Pads, Laptops & Portable Computers | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | Up To £3,500 |
| Accidental Damage | Item Limits Apply |
| Accidental Damage To Landlords Property | Tenants Liability | Up to £10,000 |
| Criminal Assault | Up To £500 |
| Legal Expenses | Up To £50,000† |
| Mobile Phones | Cover Anywhere Within The UK (Plus Up To 60 days Worldwide (Please note: The mobile phone must have been purchased within the UK or your Home Country and been used with a UK SIM card.)). | Up To £1,500 |
| Pedal Cycle | Cover Anywhere Within The UK (Within Europe For Up To 45 days) | Up To £3,000 |
| Unspecified Items | Cover Anywhere Within The UK | Up To £4,000 |
| Specified Items | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | Up To £3,000 |
| Excess Protection Cover | Up To £1,000 |
| Photographic Equipment | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | Up To £5,000 |
It’s important that you read our Policy Documents to make sure you understand exactly what’s covered.
You can find out more about Tenants' Contents Insurance in the documents below which you will also receive when you purchase our tenant's insurance.
The policy documents are available as PDFs. To view these documents you will need a PDF reader. Download Adobe Reader from the Adobe website or visit Access Adobe for help.
To view your documents, please click on the links below.
| Policies Purchased after 01/08/2024 | Policies Purchased after 01/01/2024 |
 Policy Wording | Policy Wording |
| Claims Form | Claims Form |
| Policy IPID† | Policy IPID† |
| Policies Purchased after 01/08/2023 | Policies Purchased after 01/03/2023 |
| Policy Wording | Policy Wording |
| Claims Form | Claims Form |
| Policy IPID† | Policy IPID† |
For all claims except Legal Expenses claims:
Please fill in a claims form: Make A Claim
Cover4students.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4students.com at the following address:
Cover4students Claims Team,
Stream Claims Services,
Copthall House,
King Street,
Newcastle under Lyme,
ST5 1EL.
Telephone: 0161 974 1101
Check your student's contents insurance policy to ensure that the cause of the loss or damage is covered. Your schedule will show which cover sections are operative.
Please include the following details:
All claims for theft or loss must be reported to the police.
For all Legal Expenses (Section 6 only):
Legal Claims Notification & Advice Helpline Service:
– 0161 492 1639
– nonmotorclaims@financialandlegal.co.uk
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.
About a month before the renewal date of your tenant's insurance policy we'll send you a renewal email. This email will contain details of how to renew the policy.
The email will include a saved quotation which will summarise:
If you have signed up to Instalment Payments for your policy.
Where the payment due date falls on a weekend or bank holiday, payment will be taken on the next available working day.
If there are any changes to the amount, date or frequency of your instalment payments we will notify you 10 working days in advance of your account being debited or as otherwise agreed.
By signing up to instalment payments you are agreeing to an automatic renewals scheme, this means that your student possessions policy will be automatically renewed and you will once again be enrolled on to the Instalment Payment scheme.
Should you wish to change your method of payment you must contact us at least 7 days before your next payment date by calling us on 0161 772 3390, or we may still collect your premium.
If you have any queries with respect to this notification, please contact our help centre on 0161 772 3390, otherwise, collections will commence and continue as detailed above.
If you pay your premium in monthly instalments and you fail to pay any of the monthly instalments which are due up to your next renewal date, we will contact you either by telephone, email or letter to resolve the matter. If the instalment(s) remain unpaid, we may cancel the policy by giving you 14 days written notice to your last known address.
Important: Your, Paid Annually, Tenants Possessions Insurance will not automatically renew.
Alternatively you can just book a new policy by clicking here.
Basic cover provides you with essential protection
Covering your personal possessions within the insured address up to a maximum of £14,000 on a "new for old" basis against loss or damage by fire, flood, storm, theft, escape of water and othersimilar causes (except clothing, linen and rented household goods where a deduction is made for"wear and tear").
| Cover Description | Sum insured | Basic Cover |
| Personal Possessions Within The Insured Address | £2,000 — £14,000 | Included |
| Desktop Computer Equipment | Item Limits Apply | Included |
| Personal Accident | £10,000 | Included |
| Credit/Debit Cards | £500 | Included |
| Personal Money | £50 | Included |
| Landlords Property | Tenants Liability | £5,000 | Included |
| Legal Liability | £1,000,000 | Included |
Cover automatically includes:
| Cover Description | Sum Insured | Cover |
| Laptop & Portable Computers | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £500 — £3,500 | Optional |
| Personal Accident & Criminal Assault | £10,000 — £50,000 | Optional |
| Legal Expenses | £50,000 | Optional |
| Accidental Damage | Item Limits Apply | Optional |
| Accidental Damage To Landlord's Property | Tenants Liability | £10,000 | Optional |
| Mobile Phones | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £500 — £1,500 | Optional |
| Pedal Cycles | Cover Anywhere Within The UK (Plus Up To 60 Days Woithin Europe) | £250 — £3,000 | Optional |
| Excess Protection Cover | £125 — £1,000 | Optional |
| Photographic Equipment | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £100 — £5,000 | Optional |
| Unspecified Items | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £250 — £4,000 | Optional |
| Specified Items | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £1 — £3,000 | Optional |
Basic cover can be extended to include the following items:
| Cover Description | Sum Insured | Cover |
| Laptop & Portable Computers | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £500 — £3,500 | Optional |
| Personal Accident & Criminal Assault | £10,000 — £50,000 | Optional |
| Legal Expenses | £50,000 | Optional |
| Accidental Damage | Item Limits Apply | Optional |
| Accidental Damage To Landlord's Property | Tenants Liability | £10,000 | Optional |
| Mobile Phones | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £500 — £1,500 | Optional |
| Pedal Cycles | Cover Anywhere Within The UK (Plus Up To 60 Days Within Europe) | £250 — £3,000 | Optional |
| Excess Protection Cover | £125 — £1,000 | Optional |
| Photographic Equipment | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £100 — £5,000 | Optional |
| Unspecified Items | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £250 — £4,000 | Optional |
| Specified Items | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £1 — £3,000 | Optional |
† Cover extended to 60 days Worldwide, during the period of insurance.
‡ Cover extended to 60 days within Europe, during the period of insurance
Standard Single Item Limits & Group Limits
Item and group limits are determined by the possessions sum insured.
| Cover Description | Sum Insured | Cover |
| Laptop & Portable Computers | Anywhere Within The UK | £500 — £3,500 | Optional |
| Personal Accident | £25,000 — £50,000 | Optional |
| Criminal Assault | £500 | Optional |
| Legal Expenses | £50,000 | Optional |
| Accidental Damage | Item Limits Apply | Optional |
| Accidental Damage To Landlord's Property | Tenant's Liability | £10,000 | Optional |
| Mobile Phones | £500 — £1,500 | Optional |
| Pedal Cycles | £250 — £3,000 | Optional |
| Excess Protection Cover | £125 — £1,000 | Optional |
| Photographic Equipment Cover | £100 — £5,000 | Optional |
| Unspecified Items | Covered Anywhere In The UK | £250 — £4,000 | Optional |
| Specified Items | Cover Anywhere Within The UK | £1 — £3,000 | Optional |
Optional cover extensions are limited to the amount shown in your policy schedule for each particularcover section.
Principal Exclusions:
Yes. Tenant's liability for the landlords property is covered automatically.
The policy come with an automatic cover of up to £5,000, for fire, theft and flood and can beextended to include, accidental damage to the landlord's furniture, fixtures and fittings up to£10,000.
Yes. There is a limited amount of accidental damage to the lanlord's property included forfixed glass, sanitary ware, and ceramic hobs in fixed kitchen appliances.
Optional cover, up to £10,000, available to insure against fire, theft, flood and accidental damageto the landlord's fixtures, furniture and fittings.
No, basic cover does not include cover for laptop or portable computers as standard. An optionalextension is available, in order to cover your laptop & portable computer equipment. You caninsure laptop or portable computers Anywhere within the UK. (plus up to 60 days Worldwide).
Anywhere Within The UK:
Provides cover for your laptop or portable computerequipment against accidental damage, accidental loss or theft anywhere within the UK up to a maximum of £3,500.
No, basic cover does not include cover for mobile phones. An optional extension for mobile phones isavailable.
If selected, your mobile phone is covered against accidental damage, accidental loss or theft whilst anywhere within the UK (plus up to 60 days Worldwide cover) - up to a maximum of £1,500.
If you just require student mobile phone insurance, we have a standalone student insurance product that can cover mobile phones for up to a maximum of £1,500.
No, basic cover does not include cover for your possessions outside of your accommodation. You canpurchase optional extensions to cover items outside of your insured address, such as:
Yes. The security of your personal and financial details is of paramount importance to us, and assuch we use the strongest available security systems to protect your communications with us.
How we protect your data: Whenever you fill in an online form, such as a request fora quote, it is automatically protected using something called a Secure Socket Layer (SSL) betweenyour computer and ours. SSL works in the following ways:
SSL prevents impersonation
You can tell that you are using a genuine SSL site bythe padlock symbol at the bottom of the screen. Clicking on the padlock will reveal our RegistrationCertificate that is issued by Digi Sign Limited, a leading Internet security company.
SSL encrypts data
As soon as your computer has recognised our computer theyencrypt all information that is passed between them. Data encryption means that no one else can reador change your information as it travels over the Internet.
SSL prevents scrambling
SSL uses a Message Authentication Code (MAC) to preventanyone tampering with our Internet site. Your computer will always check this code before it takes amessage from us. This means that if anyone tried to interfere with a message, your computer wouldnot recognise the code and would alert you.
All the information that we hold about you is protected by firewalls and a wide range of IT securitymeasures.
For all claims except Legal Expenses claims:
Please fill in a claims form: Make a Claim
For all Legal Expenses (Section 6 only):
Legal Claims Notification & Advice Helpline Service:
– 0161 492 1639
– nonmotorclaims@financialandlegal.co.uk
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail forreasons beyond our control.
Instant cover can be arranged online or by phoning us on the number below. Whichever way you chooseto take out your policy, as soon as you've paid, you're instantly covered.
Buy Online
Buy Tenant's Possessions Insurance securely online and save £5**
Save money on yourTenants Possessions Insurance by buying securely online. Get instant cover online and pay noadministration fees.
Annual premiums start from only £28·57*** online
Phone Us
0844 576 8369* or 0161 772 3382*
* For our joint protection calls may be monitored and/or recorded. Calls willbe charged at a maximum 5p a minute from a BT line. Calls from non BT phone lines may vary.Telephone lines are open Monday to Friday 9:00am — 5:00pm excluding public holidays.
**Telephone purchases are subject to an administration fee of £5.
*** £28·57 annual premium includesInsurance Premium Tax and is only available online. Premium is based on Basic Cover whilst living ina BN1 postcode, with a sum insured of £2,000.