Student contents insurance

When making a claim, there is an excess amount payable as detailed below:

Any additional excess amount would be detailed on your schedule, if applicable.

If you’re thinking of covering your contents with studentGuard, as with most insurance policies, there are a few things that aren’t covered. These include, but are not limited to:

• Your excess - which is shown here.
• Items taken outside of your student home, unless you have specifically chosen the personal possessions cover
• Accidental damage to mobile phones and any cover outside of your student home, unless you have specifically chosen the mobile phone cover
• Cosmetic damage which does not affect the operation of an item
• Any mobile of smart phones that are more than four years old, from the date of manufacture
• Accidental damage to your contents in the home, unless you have chosen our optional accidental damage option

Once you move away from home, you may find that your belongings are no longer covered under your parents’ or guardians’ home insurance policy – and even if they are, it may not provide the level of cover you need. For example, your belongings may only be protected inside your university home but not whilst you’re out with friends or at lectures. It’s a good idea to check with your parent’s home insurance to see what the situation is.

If you do, then make a claim on your parent’s policy, whilst at university, you could find that the excess is higher on a home insurance and your parents could end up paying more for their policy with a reduction in their No Claims Bonus.

It’s quick and easy to get a quote online and get your cover in place straight away. Or you can call our friendly customer service team who will be happy to answer any questions about our studentGuard cover.

We can cover up to £12,500 of contents that you have inside your student home – you can choose the sum insured level that suits you, starting from £5,000. Our standard contents cover includes cover for a range of perils including a loss from theft, attempted theft, malicious damage, fire, flood, and more.

Our standard contents cover also automatically provides a range of additional inclusive covers for theft or loss of keys, theft of items being transported to and from your student home at the beginning and end of term, up to £5,000 tenant’s liability, mugging and assault cover and much more.

Once you have chosen your standard contents cover you can then choose to extend your cover by selecting from one or more of our optional covers:

• Accidental damage – extends cover for contents inside your student home to include accidental damage. Excludes mobile phones.
• Personal possessions cover – theft and accidental damage cover for items that you take out and about. Covers anywhere in the UK and worldwide for up to 60 days per period of insurance. Excludes mobile phones
• Mobile phone cover – theft and accidental damage cover in the UK and worldwide for up to 60 days per period of insurance for your mobile or smart phone. Includes up to £150 for any unauthorised UK calls or data usage following theft of your insured phone. We can cover phones that are up to 4 years old, from date of manufacture.

Your policy will provide you with cover for 12 months. Our standard contents will cover items inside your student home.

If you choose our optional personal possessions cover, it will cover your items inside and outside of your home, within the UK and worldwide for up to 60 days per period of insurance.

Our mobile phone option will also cover your phone inside and outside of your home against theft and accidental damage within the UK and worldwide for up to 60 days per period of insurance.

Yes, you can choose to pay in full or by interest free monthly direct debit.

Yes, your contents will be replaced on a new for old basis, which means you will get the equivalent valued, new replacement; within your chosen sum insured limit. It is important that you choose sum insured values that base your contents on their current, new replacement value.

We will make a deduction for wear and tear for clothing and household linen.

Yes, you automatically get up to £5,000 tenant’s liability cover within your standard contents cover.

This will cover loss or damage to your landlord's fixtures and fittings which you are legally liable for under the terms of your tenancy agreement at your student home. Excludes accidental damage.

Yes, cover applies to your laptop, tablets, and other technology items as standard. Our standard contents cover includes cover for a range of perils including a loss from theft, attempted theft, malicious damage, fire, flood, and more.

If you include our optional accidental damage cover extension for items inside your student home, this will also apply to your laptops, tablets, and computers.

Yes, cover applies to your mobile phone as standard. Our standard contents cover includes cover for a range of perils including a loss from theft, attempted theft, malicious damage, fire, flood, and more.

For theft and accidental damage cover inside and outside your student home and for up to 60 days worldwide, per period of insurance, you would need to choose our optional Mobile Phone cover.

We can only cover mobile or smart phones that are no more than four years old, from the date of manufacture. Maximum 2 claims per period of insurance.

Yes, they can be. To cover the stuff that you take outside of your student home, you would need to choose our optional Personal Possessions cover. This will give you theft and accidental damage cover inside and outside your student home and for up to 60 days worldwide, per period of insurance. Excludes mobile phones.

To get the same cover for your mobile phone, choose our optional Mobile Phone cover.

Within our standard contents cover, you get up to £250 cover for the cost of replacing and installing external locks, windows, and alarms following the theft or loss of keys to your student home.

If the worst happens, our claims team are available to walk you through the claims process. To make a claim call us on: 0333 240 1750.

Yes, you can insure your laptop regardless of age. However, as we provide new for old cover, it is important to make sure you include the correct sum insured amount that will cover the laptop at its current, new replacement cost.

As a new customer, you need to be a UK based student registered on a higher or further education course within the United Kingdom.

Unfortunately, as a new customer, our policy is only suitable for students who are registered on a higher or further education course within the United Kingdom.

If you need to cancel your policy, please call us on 0333 240 1750.

You have the right to cancel this policy within 14 days of the date you purchased the policy or when you received the policy documents if this is later. You do not need to provide a reason for cancellation, and we will provide a full refund of any premium paid, unless you have made a claim or there has been an incident likely to result in a claim.

If you wish to cancel the policy after 14 days we will provide a refund, less a proportionate charge for any cover already provided, unless a claim has been made or there has been an incident likely to result in a claim.

Where a claim has occurred or there has been an incident likely to result in a claim no refund of premium will be provided.

Important: If you pay for your policy by monthly instalments, you must pay the remainder of your monthly instalments or pay the remainder of the annual premium in full.

Yes, so long as they are living in the United Kingdom and registered on a higher or further education course within the United Kingdom.