The Warehouse

Students staying with one of our accommodation providers get contents insurance automatically included. To check your cover request your policy schedule and policy wording with Cover4Insurance below.

Once registered you will be:

• Emailed your policy documents.
• Entered into a free prize draw with a chance of winning £500^† winner to be announced in early November 2023.
• Provided exclusive access to our Benefits Hub where you can access a huge variety of savings and discounts across many reputable retailers.
• You will be sent a 10% discount code for our Student Possessions Insurance when this policy expires.
• ^† Competition Terms & Conditions

Benefits

How Much Am I Insured For?

Your possessions are insured inside of your accommodation for up to £7,000 in total. In addition, a further £2,000 cover is provided for computer equipment (including laptops) within your accommodation.

What Is Covered:

• Personal possessions within the insured address — up to £7,000.
• Replacement locks & keys — up to £350.
  This cover does not include lost keys; visit Keyprotect if you require insurance for lost keys.
• Desktop computer equipment | room only — up to £2,000.
• Ipads laptops & portable computer equipment | room only — up to £2,000.
• Vacation cover — up to £4,000.
• Personal accident — up to £50,000.
• Credit cards — up to £500.
• Personal money — up to £50.
• College | university property on loan — up to £750.
• Landlords property | tenants liability — up to £5,000.
• Legal liability — up to £1,000,000.
• Mobile phone | room only — up to £1,000.
• Personal possessions from college / university & student union buildings — up to £500.
• Personal possessions from communal areas — up to £1,000.
• Musical instruments | room only — up to £600.

Important: You may need to extend the basic policy cover to protect your valuable items such as your mobile phone, iPod, bicycle etc if you are taking them out and about (travelling to and from university).

Exclusions

We strongly recommend that you read the full terms contained in the policy wording document to see A full list of the terms and conditions that govern your policy with us. These can be downloaded from the Policy Documents / Claims tab.

What Is Not Insured:

• The policy excess:
  
• Pedal cycles valued over £1,000^† – 10% of the pedal cycle value.
• Photographic equipment valued over £1,250^‡ – 10% of the photographic equipment value.
• iPads laptops & portable computer equipment | room only £50.
• All other sections £25.

Lost or stolen keys (visit Student Keyprotect if you require insurance for the loss of keys).

Contact lenses.

Pedal cycles and mobile telephones (unless the basic cover is extended).

Cover outside of your accommodation (unless the basic cover is extended).

^†Cover for pedal cycles only applies when the relevant policy top up / optional extension has been purchased in addition to the master policy. ^‡Cover for photographic equipment over £1,250 only applies when the relevant policy top up / optional extension has been purchased in addition to the master policy.

Maximum Amounts Payable:

The following categories of items are subject to a maximum amount payable during the period of insurance.

• Personal possessions single item limit — up to £1,167.
• Computer equipment — up to £2,000.
• Audio equipment — up to £1,167.
• Tv, games consoles, video and dvd players — up to £1,167.
• Photographic equipment, video camera’s & camcorders — up to £1,167.
• Sports equipment £1,167.
• Jewellery, watches & other valuables — up to £1,167.
• Liability for rented household goods — up to £1,167.
• Music, video, dvd, software & other data carrying media — up to £350.

Your Duty of Care

You must, at all times, take all reasonable steps to prevent accidents, loss and damage.

Claims

To start the claims process, please complete the correct Claims Form provided below. Before submitting your claim, please read your policy schedule to make sure you are covered and have a valid claim.

Fill out the online claims form here:  Make A Claim

Phone: 0161 974 1101

Post:

Cover4students Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

If you have a valid claim, complete the claim form with, where possible:

• Receipts, bills, valuations or repair estimates as appropriate for all claims for loss or damage.
• 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.

Optional Extensions

Our range of top ups allow you to insure the items that are most important to you.

By offering a range of top ups you have the flexibility to chooses the covers that are most important to you, whether that is to add cover for a mobile phone or musical instruments or you just want cover for items outside your accommodation we have an option to suit you. The additional cover options available are listed below:

Policy Benefit	Included	Upgrade up to
Personal Possessions	£7,000	£14,000
Computer Equipment	£2,000	£4,000
Course Fees and Rent Cover	No	£20,000
Criminal Assault	No	£500
Legal Expenses	No	£30,000
Accidental Damage	No	£4,000
Accidental Damage To Landlords Property | Tenant's Liability	No	£10,000
Accidental Death, Injury or Illness of A Financially Supporting Parent or Guardian	No	£5,000
Mobile Phones | Anywhere in the UK (plus up to 60 days Worldwide)	No	£1,500
Pedal Cycles | Anywhere in the UK (plus up to 60 days in Europe)	No	£3,000
Digital Download	No	£1,000
Exam and Coursework Cover	No	£250
Photographic Equipment | Anywhere in the UK (plus up to 60 days Worldwide)	No	£5,000
Musical Instruments | Anywhere in the UK	No	£3,000
Excess Protection Insurance	No	£1,000
Specified Items | Anywhere within the UK (plus up to 60 days Worldwide)	No	£3,000
Unspecified Items | Anywhere within the UK (plus up to 60 days Worldwide)	No	£4,000
Extra Covers For International Students
International Student Repatriation	No	Up To £5,000

Please note that your policy will expire when you move out of your student accommodation or when your Master Policy expires, whichever is sooner. Any extensions you make will also expire with the Master Policy.