Please Note: This is a compulsory cover - please select a sum insured.
Cover your possessions and desktop computer equipment at your insured address against loss or damage by fire, flood, storm, theft, escape of water and other similar causes. In most cases we replace items on a new for old basis.
Important: Item limits apply
Item limits are determined by the possessions sum insured:
Please note: There is no cover for the items listed
below under the Personal Possessions section, so if you require cover for these
items they must be selected below.
Covers your laptop, I-Pads & portable computers equipment for theft or accidental damage occurring anywhere within the United Kingdom.
Cover also includes:
This section covers your mobile phone up to £1,500 for:
Cover also includes:
Covers your personal possessions and desktop computer equipment against accidental damage occurring within your insured address.
Please note: Cracking, scratching or breakage of pictures, china, glass or other fragile items is excluded from the cover.
This section provides cover up to £10,000 for amounts you become legally liable to pay as damages under a formal tenancy agreement, following accidental damage to your landlord's:
Covers up to £20,000 for the reimbursemnt of non-refundable course fees and/ or rent paid under a signed rental agreement if you are totally disabled as a result of:
*Death of the insured
*Sickness or accidental bodily injuy which results in your disablement and you are unable to remain in your accommodation.
This section covers your pedal cycle for up to £3,000 for theft, accidental loss or accidental damage occurring anywhere within the United Kingdom.
Cover also includes:
This section covers your musical instruments for up to £3,000 for theft, accidental damage or loss occurring anywhere within the United Kingdom.
* We also pay the costs up to £100 of hiring a temporary replacement whilst the insured item is being repaired or replaced
This section provides a specified monetary benefit up to a maximum of £50,000 if you sustain injuries resulting from an accident within the United Kingdom which directly results in your death or disablement within 12 months of the accident.
Covers up to £500 for costs you incur as a direct result of a criminal assault on you.
This section covers your photographic equipment for up to £5,000 for theft or accidental damage occurring:
Gives you up to £30,000 Legal Expenses Cover covering disputes in relation to:
This section provides cover up to an amount equal to the amount of the excess in relation to each section settled claim under each section of this policy, up to an annual limit of £1,000.
Cover will only operate when the excess under each section of this policy is exceeded following the successful claim payment.
Burial Costs or Body Repatriation
This section provides cover up to £3,000 for the reasonable costs of funeral expenses or returning your body to your home in the event of your death, because of you suffering unforeseen bodily injury or illness during the period of insurance.
Emergency Repatriation of the Insured
This section provides cover for up to £5,000 for costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate you to your home, because of you suffering unforeseen bodily injury or illness during the period of insurance.
Please note: We are unable to provide this section of cover to any person whose home is in the United Kingdom or a country where the Foreign, Commonwealth & Development Office (FCDO) has advised against all or all but essential travel.
Covers the amount you become legally liable to pay as damages under a formal tenancy agreement, following loss or damage to your landlords household goods, furniture and furnishings within the insured address, following damage by fire, storm, flood , theft, escape of water and other similar causes.
It also provides cover for accidental damage to your landlords fixed glass, sanitary ware and ceramic hobs in fixed kitchen appliances, as well as accidental damage to drains, pipes, cables and underground tanks providing services to and from the insured address.
Liability For Rented Household Goods
For amounts that you become legal liable to pay following loss or damage caused by fire, flood, storm, theft, escape of water or other similar causes to household goods (other than telephones) rented under the terms of a formal rental agreement while in the insured address.
Covers college/university/school/educational institution library books and property you have on loan against loss or damage by fire, flood, storm, theft, escape of water and other similar causes. These are insured whilst:
Provides finance allowing you to finish your course following:
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