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:

• £2,000 sum insured = single item limit £500
• £4,000 sum insured = single item limit £750
• £6,000 sum insured = single item limit £1,000
• £8,000 sum insured = single item limit £2,000
• £10,000 sum insured = single item limit £2,500
• £12,000 sum insured = single item limit £3,000
• £14,000 sum insured = single item limit £3,500

Covers your laptop, I-Pads & portable computers equipment for theft or accidental damage occurring anywhere within the United Kingdom.

Cover also includes:

• Cover anywhere in the World for up to 60 days during the period of insurance.

This section covers your mobile phone up to £1,500 for:

• Accidental damage
• Accidental loss
• Theft or
• Malicious damage occurring anywhere within the United Kingdom.

Cover also includes:

• Cover anywhere in the World for up to 60 days during the period of insurance.
• Mechanical breakdown up to £500
• Accessories up to £150
• Unauthorised calls up to £250

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.

Important: Item limits apply
Item limits are determined by the possessions sum insured:

• £2,000 sum insured = single item limit £500
• £4,000 sum insured = single item limit £750
• £6,000 sum insured = single item limit £1,000
• £8,000 sum insured = single item limit £2,000
• £10,000 sum insured = single item limit £2,500
• £12,000 sum insured = single item limit £3,000
• £14,000 sum insured = single item limit £3,500

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:

• Fixed glass, sanitary ware and ceramic hobs in fixed kitchen appliances
• Drains, pipes, cables and underground tanks providing services to and from the insured address
• Household goods, furniture and furnishings

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:

• Public Liability up to £1,000,000
• Pedal Cycle Accessories up to £250
• Cover in Europe for up to a maximum of 45 days during the period of insurance
• Replacement Bike Hire within the UK up to £420 (£70 per day)

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

Personal Accident
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.

Criminal Assault
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:

• Anywhere within the United Kingdom; or
• Anywhere in the World for up to 60 days during the period of insurance

Cover also includes:

• Public liability up to £1,000,000.
• Photographic equipment accessories up to £150.
• Replacement photographic equipment hire up to £800 (£200 per week).
• Coursework/photographic portfolio cover up to £250.

Gives you up to £30,000 Legal Expenses Cover covering disputes in relation to:

• Personal Injury
• Consumer Disputes
• Home Rights
• Employment
• Criminal Prosecution Defence
• Education

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.