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Cover Explained
Campus Student Possessions Insurance provides cover for students belongings whilst living in halls of residence and rented student accommodation in the UK†, such as shared student house and student flats.
We offer two types of cover:
- BASIC COVER: provides you with essential room(s) insurance protection plus a range of optional extensions that can be selected to suit your specific insurance requirements.
- COMPREHENSIVE COVER: includes all the benefits of Basic cover plus a range of additional inclusive cover items.
WHO CAN APPLY FOR STUDENT CONTENTS & POSSESSIONS INSURANCE?
- Students living in halls of residence or private rented accommodation in the UK†.
- Including Shared Accommodation with Room Cover Insurance.
WHERE & HOW LONG DOES COVER APPLY?
Campus Student Possessions Insurance policy is an annual policy. Cover applies for one year from the date selected by you at purchase. Cover applies in the following locations:
- At your term time address
- At your parents’ home(s) within the UK†
- Whilst in direct transit to and from your home (within the UK†), at the beginning and end of each university/college term
- In locked storage on campus at any time
- Whilst temporarily away from the term time address at your permanent home address (within the UK†) or any other building where you are temporarily residing (within the UK†).
†Cover4students.com defines the United Kingdom as:
- England,
- Scotland,
- Wales,
- Northern Ireland,
- The Isle of Man
- And the Channel Islands.
INSURED PERILS
Items are covered on a ‘new-for-old’ basis against loss or damage by fire, flood, storm, theft, escape of water and other similar causes.
(Except clothing, linen and rented household goods – where a deduction is made for ‘wear and tear’).
| COVER DESCRIPTION | SUM INSURED | BASIC COVER | COMPREHENSIVE COVER |
|---|---|---|---|
| PERSONAL POSSESSIONS WITHIN THE INSURED ADDRESS | £2,000-£8,000 | INCLUDED | INCLUDED |
| DESKTOP COMPUTER EQUIPMENT | ITEM LIMITS APPLY | INCLUDED | INCLUDED |
| LAPTOP & PORTABLE COMPUTERS | ACCOMMODATION ONLY | £500-£2,000 | OPTIONAL | INCLUDED |
| LAPTOP & PORTABLE COMPUTERS | ALL RISKS | £500-£2,000 | OPTIONAL | OPTIONAL |
| COURSE FEES & RENTAL PROTECTION | £2,000 | OPTIONAL | INCLUDED |
| ACCIDENTAL DEATH OF A PARENT OR GUARDIAN | £5,000 | INCLUDED | INCLUDED |
| COLLEGE PROPERTY ON LOAN | £250 | INCLUDED | INCLUDED |
| LANDLORDS PROPERTY | TENANTS LIABILITY | £5,000 | INCLUDED | INCLUDED |
| CRIMINAL ASSAULT | £500 | OPTIONAL | INCLUDED |
| LEGAL EXPENSES | £30,000 | OPTIONAL | INCLUDED |
| ACCIDENTAL DAMAGE | ITEM LIMITS APPLY | OPTIONAL | INCLUDED |
| PERSONAL ACCIDENT | £10,000 | EXCLUDED | INCLUDED |
| CREDIT/DEBIT CARDS | £500 | EXCLUDED | INCLUDED |
| PERSONAL MONEY | £50 | EXCLUDED | INCLUDED |
| LEGAL LIABILITY | £1,000,000 | EXCLUDED | INCLUDED |
| ALL RISKS (COVER ANYWHERE IN THE UK†) | SPECIFIED ITEMS | £0-£1,000 | OPTIONAL | OPTIONAL |
| MOBILE PHONES | £200 | OPTIONAL | OPTIONAL |
| PEDAL CYCLES | £250 | OPTIONAL | OPTIONAL |
BASIC COVER – WHAT’S INCLUDED?
- Possessions within the insured address: Cover available from £2,000 to £8,000 in total.
- Desktop Computer Equipment: Cover included automatically. Item limits apply. (excludes Accidental Damage unless optional extension is taken)
- Accidental Death of a Parent or Guardian: up to £5,000 in total.
- Landlords Property | Tenants Liability: Up to £5,000 in total as standard.
- College property on loan: up to £250
BASIC COVER – OPTIONAL EXTENSIONS
A range of Optional Extensions are available to cover items such as:
- Course Fees & Rental Protection: Up to £2,000 cover
- Laptop & Portable Computer Equipment: Cover for you laptop within the insured address.
- Laptop & Portable Computers | All Risks: Cover outside of the insured address for accidental damage or theft anywhere within the UK†.
- Specified Items | All Risks: Cover for specified items outside of the insured address for accidental damage or theft anywhere within the UK†. (Excluding Laptop & Portable Computers, Mobile Phones and Pedal Cycles, which can be insured under separate optional extensions available).
- Mobile Phone Cover: Cover for accidental damage or theft of your mobile phone anywhere within the UK† up to £200 in total.
- Pedal Cycle Cover: Cover for accidental damage or theft of mobile phones anywhere within the UK† up to £250 in total.
- Accidental Damage: Cover for accidental damage to audio equipment, camera equipment, computer equipment, games consoles, televisons, video and DVD players within your room(s)
- Criminal Assault: Up to £500 cover for costs incurred to you as a direct result of a criminal assault.
- Legal Expenses: Up to £30,000 of cover.
- Vacation Cover: Covers possessions at the insured address up to a maximum of £3,500 whilst the property is unoccupied during university/college vacation periods.
COMPREHENSIVE COVER – WHAT’S INCLUDED?
- Possessions within the insured address: Cover available from £2,000 to £8,000 in total.
- Desktop Computer Equipment: Cover included automatically. Item limits apply.
- Laptop & Portable Computer Equipment: Cover is provided when selected upto the amount stated within your insured address.
- Accidental Damage: Cover for accidental damage to audio equipment, camera equipment, computer equipment, games consoles, televisons, video and DVD players within your room(s)
- Course Fees & Rental Protection: Up to £2,000 cover as standard.
- Vacation Cover: Covers possessions at the insured address up to a maximum of £3,500 whilst the property is unoccupied during university/college vacation periods.
- Landlords Property | Tenants Liability: Up to £5,000 in total as standard.
- Accidental Death of a Parent or Guardian: Up to £5,000 in total
- College Property on loan: Up to £250 plus £250 cover for library books.
- Criminal Assault: Up to £500 cover for costs incurred to you as a direct result of a criminal assault.
- Legal Expenses: Up to £30,000 of cover.
- Personal Accident Cover: Up to £10,000 cover included automatically.
- Legal Liability Cover: Up to £1,000,000.
- Fraudulent use of Credit & Debit Cards: Up to £500 cover for fraudulent use of your credit & debit cards following theft from your accommodation.
- Personal Money Cover: up to £50 following theft from your accommodation.
For full terms and conditions please take the time to read your policy documents to ensure you understand your full cover. To view your Policy Documents please Click Here.
COMPREHENSIVE COVER: OPTIONAL EXTENSIONS
Comprehensive Cover can be extended to include any of the following items.
- Laptop & Portable Computers | All Risks: Cover outside of the insured address for accidental damage or theft anywhere within the UK†.
- Specified Items | All Risks: Cover for specified items outside of the insured address for accidental damage or theft anywhere within the UK†. (Excluding Laptop & Portable Computers, Mobile Phones and Pedal Cycles, which can be insured under separate optional extensions available).
- Mobile Phone Cover: Cover for accidental damage or theft of your mobile phone anywhere within the UK† up to £200 in total.
- Pedal Cycle Cover: Cover for accidental damage or theft of mobile phones anywhere within the UK† up to £250 in total.
WHAT ARE THE COVER LIMITS & EXCLUSIONS?
STANDARD SINGLE ITEM & GROUP LIMITS
Item and group limits are determined by the possessions sum insured.
Items 1-6 apply for Basic Cover, Items 1-7 apply for Comprehensive Cover.
- Audio Equipment
- TV, Video & DVD Players
- Photographic Equipment, Video Camera’s & Camcorders
- Jewellery, Watches & other valuables
- Music, Video, DVD, Software & other data carrying media (£350.00 in total)
- Desktop Computer Equipment
- Laptop & Portable Computers | Room Only (Comprehensive Cover only)
| POSSESSIONS SUM INSURED | ITEM & GROUP LIMITS |
|---|---|
| £2,000 | £500 |
| £4,000 | £750 |
| £6,000 | £1,000 |
| £8,000 | £2,000 |
Optional cover extensions are limited to the amount shown in your policy schedule for each particular cover section.
PRINCIPAL EXCLUSIONS
- The first £10 of any claim (the claim excess).
- Theft from unattended vehicles.
- Damage to sports equipment whilst in use.
- Mobile phones, Pedal Cycles, Laptop & Portable Computers unless specifically insured.
- Cover away from the insured address unless specifically insured.
- Items used for business purposes.
- Contact Lenses.
INSURER INFORMATION
UNDERWRITTEN BY ROYAL & SUNALLIANCE
The Campus Student Possessions Insurance policy is underwritten by Royal & SunAlliance Insurance Plc, which is authorised and regulated by the Financial Services Authority. Register Number 202323.
Royal & SunAlliance Insurance Plc (No. 93792). Registered in England and Wales at: St. Mark’s Court, Chart Way, Horsham, West Sussex. RH12 1XL.
Cover4Students.com is a trading style of UK† & Ireland Insurance Services (Online) Ltd. which is authorised & regulated by the Financial Services Authority Register No. 312248
