First Year Student Living In Halls?
 | Contents/Posessions Insurance |
Cover4insurance has developed our specialist student insurance products to help students protect their possessions at the most affordable prices and designed around student lifestyles and budget.
Don't forget when purchasing an insurance policy, to check out what the excesses are on a policy, here is a comparison of our excesses and those of Student Guard:
| Cover4 Insurance Excesses | Student Guard Excesses | ||
|---|---|---|---|
| Cover4 Standard Excess | £10 | Student Guard Standard Excess | £25 |
| Cover4 Laptops (UK &: 60 days Worldwide) Excess | £10 | Student Guard (UK &: 60 days Worldwide) Excess | £100 |
| Cover4 Mobile Pones (UK &: 60 days Worldwide) Excess | £10 | Student Guard Mobile Pones (UK &: 60 days Worldwide) Excess | £100 |
We have arranged possessions and contents insurance, with 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.
Here is a comparison of cover4insurance and student guard student contents insurance cover:
| Cover4 | Student Guard | |
|---|---|---|
| Contents within address | £2k - £14k | £5k - £12.5k |
| Laptops | Optional £500 - £3,500 No age limit | Optional away from premises 4 years age limit |
| Accidental Damage | Optional | Optional |
| Accidental Damage to Landlord's Property | Optional - £10k | N/A |
| Course Fee/Rental Protection | Optional £4k - £20k | N/A |
| Mobile Phones | Optional £500 - £1,500 | Optional |
| Pedal Cycles | Optional £250 - £3,000 | Max £300 in accommodation only |
| Musical Instruments | Optional £300 - £3,000 | Optional away from premises |
| Personal Accident | Optional £10k - £50k | Included |
| Photographic Equipment | Optional £100 - £5k | Optional away from premises |
| Vacation Cover | Optional £3,500 | N/A |
| Legal Expenses | Optional £30k | N/A |
| Digital Download | Optional £1,000 | N/A |
| Exam & Coursework Cover | Optional £250 | N/A |
| Excess Protection | Optional £125 - £1,000 | N/A |
| International Student Repatriation | Optional £5,000 | N/A |
| Landlords Property | Included £5,000 | Included £5,000 |
| Liability for Rented HH Goods | Included – Single article limit applies | N/A |
| Replacement Locks | Included £500 | Included £250 |
| Credit Cards | Included £500 | N/A |
| Personal Money | Included £50 | N/A |
| University Property on Loan | Included £750 | Included -max £500 |
| Accidental Death/Injury of Supporting Parent/Guardian | Included £5,000 | N/A |
