First Year Student Living In Halls?
If you are a student on a higher education course in England and are eligible for the Disabled Students Allowance (DSA), we can offer a range of insurance covers to provide peace of mind and assist with your studies.
Click here to apply for Disabled Students Allowance (DSA).
Please Note: You cannot get Disabled Students Allowance (DSA) for more than one course at the same time.
It would be reasonable for any insurance or extended warranty costs and for any repair and modification costs arising from the ownership of such equipment purchased under the DSA to be set against this allowance. Where students do not take out insurance and equipment is stolen, any replacement of the equipment is at the students’ expense. The cost of replacement equipment should not be met by the DSA in such circumstances. Therefore, LEAs are advised to recommend to students that insurance cover is taken out for their DSA equipment. The insurance premiums can be paid from the DSA.
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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 | Up To £50 |
| Credit Cards | Up To £500 |
| Personal Money | Up To £50 |
| College | University Property On Loan | Up To £250 |
| Accidental Death or Redundancy Of A Parent Or Guardian | Up To £5,000 |
| Legal Liability | Up To £1,000,000 |
| 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.
£1,000
| Policy Benefit | Sum Insured |
| Laptop & Portable Computers | Room Only: Cover Within The Insured Address | Up To £3,500 |
| Laptop & Portable Computers | Cover Anywhere Within The UK | 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(Please note: The mobile phone can be bought in any country however it has to have a UK SIM card. | Up To £1,500 |
| Pedal Cycle | Cover Anywhere Within The UK (Within Europe For Up To 60 days) | Up To £3,000 |
| Photographic Equipment| Cover Anywhere Within The UK | 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 |
| Legal Expenses | £30,000 |
| Digital Download | £1,000 |
| Examination & Coursework Cover | £250 |
| Excess Protection Cover | £1,000 |
| International Student Repatriation Cover | £5,000 |
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 tenants 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 01/03/2021 | | Policies Purchased up to 01/03/2021 |
 Policy WordingPurchased after the 01/03/2021 | Claims Form | Policy Wording |
| Policy Wording Purchased before the 01/03/2021 | ||
| Policy IPID† | Policy IPID† |
For all claims except Legal Expenses claims:
Please fill in a claims form: Claims Form
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 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.