Definitions



Any word defined below will have the same meaning wherever it is shown in your policy in bold print. We have listed the definitions in alphabetical order.

Accident / Accidental

- This means a sudden, unexpected unusual specific event, which occurs at a definable time and place.

All Risks

- Accidental loss or damage to possessions anywhere within the United Kingdom.

Bodily Injury

- Is sustained by the insured person during the period of insurance is caused
by an accident and occasions the disablement of the insured person within
twelve calendar months from the date of the accident.

College / University

- The university or college at which you are a full time student.

College / University Term

- The weeks of full college / university academic activity as published by your college / university.

Credit Card(s)

- Credit, cheque,charge and cash dispenser cards all belonging to you solely for private use.

Desktop Computer Equipment

- Your monitor, hard drive, mouse, keyboard, printer, and accessories up to £150 in total including preloaded computer software.
Exclusions
- Equipment used for business purposes
- Loss or erasure of, or any damage, distortion or corruption to records, data programs and software.
- Consequential loss of any kind.
- Laptop and portable computers.

Disablement

- Means physical incapacity that entirely prevents you, from attending to major duties of your own studies.

Endorsement

- A change of your details or cover which appears on your schedule and forms part of your possessions policy.

Excess

- The first part of any claim you must pay

- If claims are made under two or more sections for loss or damage resulting from the same cause at the same time only one excess will be deducted from the total amount of the claim payment.

Forcible and Violent Entry

- Forcible and violent entry or exit to or from your accommodation, which is evident by damage to the building at the point of entry/exit.

Insured Address

- The room or rooms occupied by you at the address stated on your schedule.

Laptop and Portable Computers

- Includes all small hand held or lap held computers defined as, but not limited to laptop, palmtop or PDA’s.
Exclusions
- Desktop computer equipment.

Money

- Coins or bank notes in current circulation, cheques, traveler’s cheques or banker’s drafts. Postal or money orders, gift vouchers and current postage stamps that are not part of a collection. Saving certificates, premium bonds or saving stamps. Luncheon vouchers, trading stamps, telephone cards, current travel or other tickets with a fixed monetary value all belonging to you.
Exclusions
- Securities, promotional vouchers, lottery and raffle tickets and Air Miles vouchers.
- Money used or held for business purposes.

Occupied

- The insured address is left unoccupied for no more than 30 consecutive days.

Off Campus

- Privately rented accommodation.

Period of Insurance

- As shown in your schedule.

Personal Possessions

- All household goods and clothing belonging to you for which you are legally responsible under a written agreement making you responsible for insuring them.
Exclusions
- Caravans, boats, motor vehicles, trailers, vessels, aircraft, surf and sailboards and their respective parts or accessories.
- Mobile phones their accessories and related costs.
- Securities or documents of any kind.
- Living creatures.
- Personal possessions used for business purposes.
- Pedal cycles and accessories.
- Property more specifically insured by this or another policy.
- Desktop computer equipment and accessories.
- Laptop & portable computers and accessories.
- Contact lenses.
- Money and credit cards.

Possessions Policy

- This comprises your signed Proposal form, Policy Booklet, your schedule and any endorsements.

Replacement Value

- The cost of replacing as new, except for clothing, household linen, rented household goods and college / university property on loan, where a deduction is made for wear and tear.

Schedule

- The document detailing the sections of your possessions policy which states your sums insured and any special terms and conditions which may apply.

Sickness

- Means your sickness, which declares itself during the period of insurance and causes your disablement within twelve months of declaring itself.

Single Article Limit

- The limit that applies to any individual item insured.

Sum Insured

- The amount stated for each section of cover as shown in your schedule or notified to you at renewal.

United Kingdom

- England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.

Unoccupied

- Where you have not stayed in the insured address for 30 consecutive days or more prior to the loss being discovered.

Vacation

- Those periods between the end and the beginning of published college / university terms.

Valuables

- Any article of gold, silver or other precious metal, jewelry, pearls or gemstones. Watches or clocks. Works of art, pictures and curios, collections of stamps, coins, bank notes or medals. Furs or leather jackets. Musical instruments.

We / Us / Our

- Royal & Sun Alliance plc.(No.93792). Registered in England and Wales at St. Mark’s Court, Chart way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by the Financial Services Authority.

You / Your / The Insured

- The person named as the policyholder in your schedule.