Kent, University of

Benefits

How Much Am I Insured For?

Your possessions are insured inside of your accommodation for up to £10,000 in total (if you live with a partner and/or children or if you are registered as disabled, sum insured is increased to £12,000). In addition, a further £2,500 cover is provided for computer equipment (including laptops and tablets) within your accommodation (if you are registered as disabled possessions cover is increased to £4,500).

What Is Covered:

• Personal possessions within the insured address — up to £10,000.
• Personal possessions within the insured address if you live with a partner and/or children — up to £12,000.
• Personal possessions within the insured address if you are registered disabled — up to £12,000.
• Replacement locks & keys — up to £500.
  This cover does not include lost keys; visit Keyprotect if you require insurance for lost keys.
• Food spoilage: failure of fridge/freezer — up to £100.
• Damage to clothing: failure of laundry equipment — up to £300.
• Accommodation partner liability — up to £500.
• 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 £1,500.
• Contact lenses — up to £150.
• Desktop computer equipment | room only — up to £2,500.
• Desktop computer equipment | room only if you are registered disabled — up to £4,500.
• iPads laptops & portable computer equipment | room only — up to £2,500.
• iPads laptops & portable computer equipment | room only if you are registered disabled — up to £4,500.
• Vacation cover — up to £10,000.
• Personal accident — up to £50,000.
• Credit cards — up to £500.
• Personal money — up to £100.
• 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 costs — up to £250.
• Emergency clothing allowance — up to £200.

Important: You may need to extend the basic policy cover to protect your valuable items such as your mobile phone, laptop, tablet, 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: The first £10 of any claim.
  • Desktop, iPads, laptops & portable computer equipment | room only £50
  • Pedal cycles valued over £1,000* 10% of the pedal cycle value.
  • Photographic equipment valued over £1,250** 10% of the photographic equipment value.
  • Accidental damage to landlord's property claims up to £2,500 - The first £100 of any claim.
  • Accidental damage to landlord's property claims over £2,500 - The first £250 of any claim.
  • All other sections: The first £25.
• Lost or stolen keys (visit Student Keycare if you require insurance for the loss of keys).
• Cover outside your accommodation (unless the basic cover is extended).
• Theft from vehicles (except when attended during transit at the beginning and end of each university term).
• Pedal Cycles (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 £1,500.
• Clothing single item limit — up to £1,000.
• Computer equipment — up to £3,000.
• Computer accessories — up to £150.
• Jewellery, watches & other valuables — up to £1,000.
• Audio, DVD, video & other data carrying media — up to £1,000.
• Computer games, CDs, DVDs, videos & records — up to £600.
• Photographic equipment — up to £1,500.
• Sports equipment — up to £1,500.
• Musical instruments — up to £1,500.
• 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, complete the claim form with, where possible:

• 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.

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:

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. Are your total possessions worth more than £10,000 (excluding computer equipment)?
   If yes, you can extend the cover up to £12,000 by selecting the personal possessions top up.
2. 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 instruments, photographic equipment, pedal cycles and mobile phones cannot be covered under these sections as separate cover sections are available for these items.
3. Is your computer equipment worth more than £2,500?
   If yes, you can extend the cover up to £4,500 by selecting the computer equipment top up.
4. 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
   • Items insured under the "Unspecified Items | Cover Anywhere Within the UK" section
5. 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.
6. Do you require cover for your photographic equipment?
   If yes, you will need to select the photographic equipment extension. This extension will cover your camera equipment for theft or accidental damage anywhere within the UK up to £5,000.
7. Do you require cover for your mobile phone outside of your accommodation?
   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.
8. 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 at the University of Kent but won't be living in accommodation managed by them this year, you won't be covered by this scheme.

However, we're offering a 10% off our Student Possessions Insurance for University of Kent 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 University of Kent student 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