First Year Student Living In Halls?
Specialist student possessions and contents insurance, with accidental damage to landlords property / tenant's liability as standard, up to £5,000, which can be increased to £10,000 with the addition of accidental damage cover for the landlord's fixtures, fittings and furniture, we can cover you whether you’re living in University Halls of Residence, a Privately Rented Student Property or Shared Accommodation.
Why choose Cover4Students for your student contents insurance?
Tenants Liability — The policy come with an automatic cover of up to £5,000, for fire, theft and flood and can be extended to include, accidental damage to the landlord's furniture, fixtures and fittings up to £10,000.
Accidental Damage to Landlords Property | Tenants Liability—Optional cover, up to £10,000, available to insure against fire, theft, flood and accidental damage to the landlord's fixtures, furniture and fittings.
New for Old Cover—In most cases the item will be replaced as new irrespective of their age and condition. A deduction may be made for wear and tear for clothing, rented household goods and college property on loan.
Low Claim Excess—You only ever pay the first £10 of most claims under this student contents insurance policy.
Walk In Theft Cover—Walk in theft is a standard inclusion to the student contents insurance policy; whereby no lock on your room is required & no forcible entry into your room has to occur for a theft to be covered.
14 day cooling off period—If you decide for any reason that the student possessions insurance policy does not meet your requirements within 14 days of purchasing your student insurance policy. We offer a full refund of your student contents insurance premium guarantee, if you decided to cancel, provided no claim has been made or pending.
Specialist Student Possessions Insurer—Our student contents insurance polices are designed exclusively for students.
Covers Shared Accommodation—Insuring your contents in multi let properties as well as single lets.
The student possessions insurance is designed for all students studying within the United Kingdom at University or College who live in private rented accommodation or designated halls of residence, including shared accommodation.
To be eligible for student contents insurance, the policyholder should be aged over 18 years on a full or part time university or college course.
NB: If you are aged under 18 but require student contents insurance, then it is possible to provide student insurance in certain circumstances, please contact our help centre for further information on: 0161 772 3390*. Office opening times are Monday to Friday 9am to 5pm excluding public holidays.
Stream, our claims service, were awarded Silver [second place] in the category of “claims partner” at the Insurance Times awards 2018.
Stream were the only adjusting form to achieve a top 3 award in any category.
With our insurance for students, the basic cover provides students with essential protection such as:
| Policy Benefit | Sum Insured |
| Personal Possessions | Up To £14,000 |
| Desktop Computer Equipment | Item Limits Apply |
| Landlords Property | Tenants Liability | Up To £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. | Up To £500 |
| Credit Cards | Up To £500 |
| Personal Money | Up To £50 |
| College | University Property On Loan | Up To £750 |
| Accidental Death or Redundancy Of A Parent Or Guardian | Up To £5,000 |
| Legal Liability | Up To £1,000,000 |
| Digital Download | Up To £1,000 |
| Possessions In Transit at the beginning and end of each term |
A range of optional extensions can be selected to suit your specific student contents insurance requirements please click the “Optional Extensions” tab to see the options available
We provide a range of optional extras so that you can choose the student contents insurance covers that you require.
Helping you tailor the student contents insurance to meet your needs and saving you money by only paying for you require.
| 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 |
| Course Fees & Rental Protection | Up To £20,000 |
| 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 |
| Photographic Equipment | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | Up To £5,000 |
| Musical Instruments | Cover Anywhere Within The UK | Up To £3,000 |
| Personal Accident & Criminal Assault | Up To £50,000 |
| Vacation Cover | £3,500 |
| Digital Download | £1,000 |
| Legal Expenses | £50,000† |
| Examination & Coursework Cover | £250 |
| Excess Protection Cover | £1,000 |
| International Student Repatriation Cover | £5,000 |
| Unspecified Items | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £4,000 |
| Specified Items | Cover Anywhere Within The UK (Plus Up To 60 Days Worldwide) | £3,000 |
It’s important that you read the Student Contents Insurance Policy Documents to make sure you understand exactly what’s covered, with our student contents & possessions insurance policy.
You can find out more about Students 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 01/03/2023 | Policies Purchased up to 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.
We'll be in touch...
About a month before the renewal date of your student insurance policy we'll send you a renewal email. This email will contain details of how to renew your student possessions insurance policy.
The email will include a saved student contents insurance 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.
Instant cover can be arranged online or by phoning us on the number below.
Whichever way you choose to take out your policy, as soon as you've paid, you're instantly covered.
BUY STUDENT POSSESSIONS INSURANCE SECURELY ONLINE AND SAVE £5·00**
Save money on your Student Possessions Insurance by buying securely online. Get instant cover online and pay no administration fees.
Annual premiums start from only £20·00*** online
PHONE US: 0161 772 3390*
* For our joint protection calls may be monitored and/or recorded. Calls will cost 7p plus your phone provider's price per minute charge. Telephone lines are open Monday to Friday 9:00am - 5:00pm excluding public holidays.
**Telephone purchases are subject to an administration fee of £5.
*** £20·00 annual premium includes Insurance Premium Tax and is only available online. Premium is based on Basic Cover whilst living in a Halls of Residence, with a sum insured of £2,000.
Basic cover provides you with essential protection.
| Cover Description | Sum Insured | Basic Cover |
|---|---|---|
| Personal Possessions Within The Insured Address | £2,000-£14,000 | Included |
| Desktop Computer Equipment | Item Limits Apply | Included |
| Credit/Debit Cards | £500 | included |
| Personal Money | £50 | Included |
| College | University Property On Loan | £750 | Included |
| Landlords Property | Tenants Liability | £5,000 | Included |
| Accidental Death, Injury or Illness Of A Financially Supporting Parent Or Guardian | £5,000 | Included |
| Legal Liability | £1,000,000 | Included |
| Replacement Locks and Keys | £50 | Included |
| Liability For Rented Household Goods | Item Limits Apply | Included |
Cover also automatically includes:
The level of Desktop Computer Equipment cover is determined by the total sum insured.
| Sum Insured | Desktop Computer Equipment Cover |
|---|---|
| £2,000 | £500 |
| £4,000 | £750 |
| £6,000 | £1,000 |
| £8,000 | £2,000 |
| £10,000 | £2,500 |
| £12,000 | £3,000 |
| £14,000 | £3,500 |
Basic Cover can be extended to include any of the following items:
| Cover Description | Sum Insured |
|---|---|
| Laptop & Portable Computers | Anywhere Within The UK† | £500 - £3,500 |
| Accidental Damage | Item Limits Apply |
| Accidental Damage to Landlords Property | Tenants Liability | £10,000 |
| Course Fees & Rental Protection | £4,000 - £20,000 |
| Mobile Phones | Cover Anywhere Within The UK† | £500 - £1,500 |
| Pedal Cycles | Cover Anywhere Within The UK‡ | £250 - £3,000 |
| Musical Instruments | Cover Anywhere Within The UK | £300 - £3,000 |
| Photographic Equipment | Cover Anywhere Within The UK† | £100 - £5,000 |
| Personal Accident & Criminal Assault | £10,000 - £50,000 |
| Vacation Cover | £3,500 |
| Legal Expenses | £50,000 |
| DIgital Download Cover | £1,000 |
| Examination & Coursework Cover | £250 |
| Excess Protection Insurance | £125 - £1,000 |
| Specified Items | Anywhere within the UK† | £1 - £1,000 |
| Unspecified Items | Anywhere within the UK† | £250 - £4,000 |
| † Includes up to 60 days Worldwide cover. ‡ Includes up to 60 days cover in Europe. | |
Single Item/Group Limits
1) Audio Equipment; 2) TV, Video & DVD Players; 3) Photographic Equipment, Video Camera’s & Camcorders; 4) Jewellery, Watches & Other Valuables; 5) Music, Video, DVD, Software & Other Data Carrying Media (£250 In Total) 6) Desktop Computer Equipment
| Sum Insured | Single Item/Group Limits |
|---|---|
| £2,000 | £500 |
| £4,000 | £750 |
| £6,000 | £1,000 |
| £8,000 | £2,000 |
| £10,000 | £2,500 |
| £12,000 | £3,000 |
| £14,000 | £3,500 |
Standard Single Item & Group Limits.
Item and group limits are determined by the possessions sum insured.
| Sum Insured | Single Item/Group Limits |
|---|---|
| £2,000 | £500 |
| £4,000 | £750 |
| £6,000 | £1,000 |
| £8,000 | £2,000 |
| £10,000 | £2,500 |
| £12,000 | £3,000 |
| £14,000 | £3,500 |
Optional cover extensions are limited to the amount shown in your policy schedule for each particular cover 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 be extended 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 for fixed 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 damage to the landlord's fixtures, furniture and fittings.
No. The basic cover does not include cover for laptop or portable computers as standard.
Optional extensions are available in order for you to insure your laptop & portable computer equipment, anywhere within the UK. (Plus up to 60 days Worldwide cover).
Which provides cover for your laptop or portable computer equipment against accidental damage, loss or theft anywhere within the United Kingdom up to a maximum of £3,500.
No, basic cover does not include cover for mobile phones. An optional extension for mobile phones is available.
If selected, your mobile phone is covered against accidental damage, loss or theft whilst anywhere within the United Kingdom - 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.
If you choose to cover your mobile phone with either the student's contents insurance policy or the standalone student essentials insurance policy, it includes Worldwide cover, for up to 60 days per insured period.
Yes, but it must have been purchased in your Home Country and be operated with a UK SIM card.
No. The basic cover does not include cover for your possessions outside of your accommodation.
You can purchase optional extensions to cover items outside of your insured address such as:
No — Your keys and locks are only currently covered for damage to an external door following burglary.
If you require cover for lost or stolen keys (including car keys) you will need to purchase additional cover via our Keyprotect product.
Yes. The security of your personal and financial details is of paramount importance to us, and as such 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 for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:
SSL PREVENTS IMPERSONATION
You can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on the padlock will reveal our Registration Certificate that is issued by Digi Sign Limited, a leading Internet security company.
SSL ENCTYPTS DATA
As soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
SSL PREVENTS SCRAMBLING
SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not 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 security measures.
For all claims except Legal Expenses claims:
Please fill in a claims form: Make a Claim
For all Legal Expenses claims:
Legal Claims Notification & Advice Helpline Service:
- 01384 887575
–
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.
Yes, we do not automatically reinstate the cover for the section(s) you've claimed on.
If for example, you claim for your laptop, you will need to contact us to arrange reinstating this part of your policy.
You should contact our office on: 0161 772 3390*
Or
via email on: customerservices@cover4students.com.
So we can work out the premium to reinstate this cover for you.
You should now enter your payment details to complete your student possession insurance renewal.
Simply click on our button and follow the quick quote facility.
From our experience, students’ cover requirements and address details tend to change year-on-year. This process ensures that you have sufficient cover at our best price.
If at any point you wish to discuss your student contents & possessions insurance policy renewal with us, you can contact us via telephone or e-mail and a member of our Renewals Team will be happy to help.
EMAIL US: customerservices@cover4students.com
PHONE US: 0161 772 3390 *
* Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays. Telephone purchases are subject to an administration fee of £5
If you would like to use our online chat facilities about our student contents insurance, please click here.
To make mid-term adjustments to your policy you can contact us either by:
Phone: 0161 772 3390*
* Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays. Telephone purchases are subject to an administration fee of £5
Or alternatively
Email us: customerservices@cover4students.com
Please note: that any requested policy change cannot be confirmed as having been effected, until we have issued you with a written confirmation, after any additional premium has been received by us.
If you require the change to be with immediate effect then please phone us.
Yes, if you are no longer a student and still living at the same address the policy will still cover you up until the renewal.
At renewal you will need to move to our tenant’s insurance product, which you can purchase online click here for more information on our tenant’s contents insurance product
Or by calling us on: 0161 772 3382*
* Telephone lines are open Monday to Friday 9.00am - 5.00pm excluding public holidays. Telephone purchases are subject to an administration fee of £5
You can cancel this policy within 14 days of the start date, or if later, within 14 days of the date you receive this document and your schedule. We will refund any premiums you have paid, as long as you have not made a claim and do not intend to make a claim. You can also cancel your policy at any other time. Please note:
We require notification of cancellation in writing.
You can email us with your notification to cancel your policy at: customerservices@cover4insurance.com
Include in the email:
Or phone us on: 0161 772 3390 *
Phone cancellations can only be made by the insured person or if the insured person is present when cancellation notice is given, for confirmation purposes.
Please note that cancellations can only be effective from the date that we receive a notification, therefore it cannot be retrospective. We can also not cancel any policy in advance.
Or fill in our cancellation form: Cancellation Form
If you wish to cancel your policy there are 3 ways in which you can do this
Cover4students,
UK & Ireland Insurance Services (Online) Limited,
The Stables, Old Co-Op Yard,
Warwick Street,
Manchester,
M25 3HB.
In order to process you cancellation we will need you to include the following information with your request to cancel
Cancellation within 14 days of the date of purchase
You will be entitled to a full refund of the Insurance Premium you paid provided no claims have been made or are pending on the policy.
Cancellation after 14 days of the date of purchase
We offer a pro rata refund of your insurance premium less a £10 administration charge except where:
In all of the above cases no refund will be made