Tenants Possessions Insurance

 

 

COVER EXPLAINED

This summary does not describe all the terms and conditions of the policy, and does not form part of the contract between you and the insurance provider, so please take time to read the policy wording, to make sure you understand the cover it provides.

We offer two types of cover:

  • Basic Cover:
    • provides you with essential protection plus a range of optional extensions to help you taylor the policy to your specific requirements.
  • Comprehensive Cover:
    • includes all the benefits of basic cover plus a range of additional inclusive cover items.

Who can apply for tenants’ contents / possessions insurance?

Designed for graduates, nurses & young professionals who live in private rented accommodation within the UK, including shared flats and houses.

Insured Perils:

Items are covered within the insured address 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”).

What’s Covered:

COVER DESCRIPTION SUM INSURED BASIC COVER COMPREHENSIVE COVER
Personal Possessions (Accommodation Only) £2,000-£12,000 Single item limits:
Sum insured  Single item limit
£2,000    £500
£4,000    £750
£6,000    £1,000
£8,000    £2,000
£10,000    £2,500
£12,000    £3,000
(SIL)		 INCLUDED INCLUDED
Desktop Computer Equipment Item Limits Apply INCLUDED INCLUDED
Laptop & Portable Computers(Accommodation Only) £500-£2,000 OPTIONAL 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
Landlords Property | Tenants Liability £5,000 INCLUDED INCLUDED
Legal Liability £1,000,000 EXCLUDED INCLUDED
Laptop & Portable Computers (All Risks) £500-£2,000 OPTIONAL OPTIONAL
All Risks | 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 cover unless the optional extension is taken.)
  • Landlords Property | Tenants Liability:
    • Up to £5,000 in total as standard.

BASIC COVER: OPTIONAL EXTENSIONS

A range of Optional Extensions are available to cover items such as:

  • Laptop & Portable Computer Equipment:
    • Cover your laptop within the insured address.
  • Laptop & Portable Computer Equipment | All Risks:
    • Cover outside of the insured address for accidental damage or theft anywhere within the UK.
  • Mobile Phones:
    • Cover for accidental damage or theft anywhere within the UK.
  • Pedal Cycles:
    • Cover for accidental damage or theft anywhere within the UK.
  • Accidental Damage:
    • Cover for accidental damage to audio equipment, camera equipment, computer equipment, games consoles, televisions, video and DVD players within the insured address.
  • Criminal Assault:
    • Cover for costs incurred to you as a direct result of a criminal assault.
  • Legal Expenses:
    • Cover for claiming against another person for personal injury.
    • Also includes cover for taking legal proceedings against another person or organisation as a result of:
      1. A dispute over a contract for buying, selling or renting goods or services;
      2. A person or organistaion breaking the requirements of Part II, section 13 of the Data Protection Act 1988;
    • and where breaking those requirements results in you losing money.
  • Specified Items | All Risks:
    • Cover up to £1000 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).

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.
  • Landlords Property | Tenants Liability:
    • Up to £5,000 in total as standard.
  • Laptop & Portable Computer Equipment:
    • Cover is provided within the insured address as standard.
    • Item limits apply.
  • Accidental Damage:
    • Cover for accidental damage to:
      • audio equipment,
      • camera equipment,
      • computer equipment,
      • games consoles,
      • televisions,
      • video
      • and dvd players.
    • Within the insured address.
  • Criminal Assault:Cover for costs incurred to you as a direct result of a criminal assault.
  • Legal Expenses:
    • Cover for claiming against another person for personal injury.
    • Also includes cover for taking legal proceedings against another person or organisation as a result of:
      1. A dispute over a contract for buying, selling or renting goods or services;
      2. A person or organistaion breaking the requirements of Part II, section 13 of the Data Protection Act 1988;
    • and where breaking those requirements results in you losing money.
  • Personal Accident Cover:
    • Cover included on a scale of benefits.
  • Legal Liability Cover:
    • Cover for injuries to others or damage their property.
  • Fraudulent use of Credit & Debit Cards:
    • Cover for fraudulent use of your credit & debit cards following theft from your accommodation as a result of forcible and violent entry.
  • Personal Money Cover:
    • Cover for theft of personal money following forcible and violent entry to the insured address.

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 up to £1,000 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 Phones:
    • Cover for accidental damage or theft anywhere within the UK.
  • Pedal Cycles:
    • Cover for accidental damage or theft anywhere within the UK.