Tenant Contents Insurance F.A.Q's

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 automatically includes:

• Personal Accident Cover up to £10,000 — The policy provides a specified monetary benefit if yousustain injuries resulting from an accident within the UK which directly results inyour death or disablement within 12 months of the accident.
• Credit & Debit Card Cover up to £500 — Cover for fraudulent use of your credit & debitcards following theft from your insured address as a result of forcible and violent entry.
• Personal Money Cover up to £50 — Cover for theft of personal money following forcible andviolent entry to the insured address.
• Landlords Property / Tenants Liability up to £5,000 — Cover for fire or theft damage to yourlandlord’s property for which you are legally liable.
• Legal Liability Cover up to £1,000,000- For amounts you become legally liable to pay in respectof accidental bodily injury and damage to property.
• Desktop Computer Equipment: Cover included automatically. Item limits apply (excludes accidentaldamage cover unless optional extension is taken)- The level of Desktop Computer Equipment coveris determined by the total sum insured.

Basic cover can be extended to include the following items:

• Laptop & Portable Computers Equipment | Anywhere Within The UK^† — Cover up to £3,500 for yourlaptop & portable computer equipment outside of the insured address for accidental damage ortheft anywhere within the UK.
• Personal Accident: This section provides a specified monetary benefit up to a maximum of £50,000 if you sustain injuries resulting from an accident within the UK which directly results in your death or disablement within 12 months of the accident.
• Criminal Assault: Cover up to £500 for costs incurred to you as a direct result of a criminalassault on you.
• Legal Expenses: Cover up to £50,000 for Legal Expenses, covering disputes in relation to:
  • Personal Injury
  • Consumer Disputes
  • Home Rights
  • Employment
  • Criminal Prosecution Defence
  • Education
• Accidental Damage: Cover for accidental damage to audio equipment, camera equipment, desktop computerequipment, games consoles, televisions, video and DVD players within the insured address.
• Accidental Damage To Landlord's Property | Tenant's Liability up to £10,000: we will pay, at ourdiscretion, direct to the landlord, up to the a mount shown in your schedule, for sums which youbecome legally liable to pay as damages under the terms of a formal tenancy agreement in respectof:
  1. Your landlord’s household goods, furniture and furnishings within the insured addressbeing damaged by:
     1. fire
     2. explosion, lightning or earthquake
     3. smoke
     4. storm or flood
     5. escape of water from any washing machine, dishwasher, refrigerator or freezer,fixed domestic water or heating installation
     6. theft or attempted theft, or
     7. accidental damage.
  2. Accidental damage to your landlord’s:
     1. fixed glass
     2. sanitary ware, and
     3. ceramic hobs in fixed kitchen appliances.
     4. household goods, furniture and furnishings.
  3. Accidental damage to drains, pipes, cables and underground tanks providing services toor from the insured address.
• Unspecified Items | Covered Anywhere In The UK^†: Cover can be extended up to £4,000 in total.Please note that there is a Single Item limit of £500 under this section. If your item is worthmore than £500 then please use the specified items section. (Important: Cover in this sectionexcludes: Mobile Phones, Laptop & Portable Computers, Pedal Cycles. Separate cover sectionsare available for these items in Stage 1.)
• Specified Items | Anywhere Within The UK^†: Cover up to £3,000 for specified items outside of theinsured address for theft, accidental loss or accidental damage occurring anywhere within the UK. (ExcludingLaptop & Portable Computers, Mobile Phones and Pedal Cycles, which can be insured underseparate optional extensions).
• Mobile Phones: Cover up to £1,500 for accidental damage, accidental loss or theft occurringanywhere within the UK^†.
• Pedal Cycles: Cover up to £3,000 for theft or accidental damage occurring anywhere within theUK^‡.
• Excess Protection: Cover up to £1,000
• Photographic Equipment | Cover Anywhere Within The UK^†: Cover up to £5,000 for repair or replacement to the same or similar specification of your insured photographic equipment if your insured photographic equipment is subject to accidental damage. The most we will pay for photographic equipment accessories is £150.
Tenants Contents& Possessions Insurance Quote

^† Cover extended to 60 days Worldwide, during the period of insurance.
^‡ Cover extended to 60 days within Europe, during the period of insurance

Items are covered at the insured address or any other building where you are temporarily residing.The Tenants Possessions Insurance policy is an annual contract. Cover applies for one year from thedate selected by you at purchase.

Standard Single Item Limits & Group Limits

Item and group limits are determined by the possessions sum insured.

1. Audio Equipment
2. TV, Video & DVD Players
3. Photographic Equipment, Video Cameras & Camcorders
4. Jewellery, Watches & Other Valuables
5. Music, Video, DVD, Software & Other Data Carrying Media (£250 in total)
6. Desktop Computer Equipment

Optional cover extensions are limited to the amount shown in your policy schedule for each particularcover section.

Principal Exclusions:

• The first £25 of any claim
• The first £50 in respect of a laptop or portable computer claim
• Landlords Property Tenants Liability (Accidental Damage Claims Only) is £100
• Pedal Cycles Valued Over £1,000 is 10% Of The Pedal Cycle's Value
• Photographic Equipment Valued Over £1,000 is 10% Of The Photographic Equipment's Value
• Theft from unattended vehicles
• Damage to sports equipment whilst in use
• Mobile phones, Pedal Cycles, Photographic Equipment, Laptop & Portable Computers unless specifically insured
• Cover away from the insured address unless specifically insured
• Items used for business purposes
• Contact Lenses

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.Get A StudentsContents & Possessions Insurance Quote

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.Get StudentStandalone Mobile Phone Insurance Quote

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:

• Specified Items | Cover Anywhere Within The UK (plus up to 60 days Worldwide cover).
  Cover up to £3,000 for specified itemsoutside of the insured address for theft, accidental loss or accidental damage occurring anywhere within the UK.(Excluding Laptop & Portable Computers, Mobile Phones and Pedal Cycles, which can be insuredunder separate optional extensions).
• Laptop/Portable Computers
  Cover up to £3,500 for theft, accidental loss or accidental damage, anywhere whinthe UK (plus up to 60 days Worldwide cover).
• Mobile Phones
  Cover up to £1,500 for accidental damage, accidental loss and theft occurringanywhere within the UK (plus up to 60 days Worldwide cover).
• Pedal Cycles
  Cover up to £3,000 for theft or accidental damage occurring anywhere within theUK (plus up to 60 days cover within Europe).
• Photographic Equipment
  Cover up to £5,000 for accidental damage, accidental loss and theft occurringanywhere within the UK (plus up to 60 days Worldwide cover).

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

1. Cover4students.com will deal with all claims. You must refer all correspondence and telephoneenquiries to cover4students.com at the following address:
   Cover4tenants Claims Team,
   Stream ClaimsServices,
   Copthall House,
   King Street,
   Newcastle under Lyme,
   ST5 1EL.
   

   ---

   Telephone: 0161 974 1101
   Check your policy to ensure that the cause of the loss or damage is covered.Your schedule will show which cover sections are operative.
2. Please include the following details:
   1. Receipts, bills, valuations or repair estimates as appropriate for all claims for lossor damage.
   2. 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.

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.

Yes, the mobile phone section can provide cover for mobile phones bought from abroad.However, it has to have been bought in your Home Country and be operated with UK SIM card in order to be covered. 

Yes, we do not have an age restriction in relation to laptops & portable computers.