Claims

For claims reported from November 10th 2025

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: Claims Form

Phone: +443450308105

Post:

Cover4 Insurance Claims Team,

Davies Group Ltd,

PO BOX 2801,

Stoke on Trent,

ST4 9DN.

If you have a valid claim obtain a claim form from cover4insurance.com. Complete and return it along with:

• 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.

For claims reported before November 10th 2025

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: Claims Form

Phone: 0161 974 1101

Post:

Cover4insurance Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

If you have a valid claim obtain a claim form from cover4insurance.com. Complete and return it along with:

• 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.

For claims reported from November 10th 2025

To make a claim, please ensure you have your policy schedule and any supporting documents ready. This will help us process your claim as quickly as possible.

Online Claims Form: Submit Claim

Phone: +443450308105

Post:

Cover4insurance Claims Team,

Davies Group Ltd,

PO BOX 2801,

Stoke on Trent,

ST4 9DN.

If your claim is valid, please provide:

• Receipts or proof of ownership for lost or damaged items.
• Repair or replacement estimates (where applicable).
• Any additional documentation requested by the claims team.

All claims involving theft or loss must be reported to the police and a crime reference number provided.

For claims reported before November 10th 2025

To make a claim, please ensure you have your policy schedule and any supporting documents ready. This will help us process your claim as quickly as possible.

Online Claims Form: Submit Claim

Phone: 0161 974 1101

Post:

Cover4insurance Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

If your claim is valid, please provide:

• Receipts or proof of ownership for lost or damaged items.
• Repair or replacement estimates (where applicable).
• Any additional documentation requested by the claims team.

All claims involving theft or loss must be reported to the police and a crime reference number provided.

For claims reported from November 10th 2025

To make a claim under your Mobile Phone & Gadget Insurance, please ensure you have read your policy documents to confirm your cover and claim eligibility before submitting.

Online Claims Form: Submit Claim

Phone: +443450308105

Post:

Cover4insurance Claims Team,

Davies Group Ltd,

PO BOX 2801,

Stoke on Trent,

ST4 9DN.

When submitting your claim, please provide:

• Proof of purchase for your phone or gadget (e.g., receipt or contract).
• IMEI number of the device (if applicable).
• Details of how the loss, theft, or damage occurred.
• Police reference number for any theft or loss claims.

All claims must be reported as soon as possible after the incident.

Failure to report theft or loss to the police and obtain a reference number may delay or invalidate your claim.

For claims reported before November 10th 2025

To make a claim under your Mobile Phone & Gadget Insurance, please ensure you have read your policy documents to confirm your cover and claim eligibility before submitting.

Online Claims Form: Submit Claim

Phone: 0161 974 1101

Post:

Cover4insurance Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

When submitting your claim, please provide:

• Proof of purchase for your phone or gadget (e.g., receipt or contract).
• IMEI number of the device (if applicable).
• Details of how the loss, theft, or damage occurred.
• Police reference number for any theft or loss claims.

All claims must be reported as soon as possible after the incident.

Failure to report theft or loss to the police and obtain a reference number may delay or invalidate your claim.

For claims reported from November 10th 2025

Before submitting a claim under your Student Contents Insurance policy, please check your policy schedule to make sure your loss or damage is covered. This will help us process your claim efficiently.

Online Claims Form: Submit Claim

Phone: +443450308105

Post:

Cover4insurance Claims Team,

Davies Group Ltd,

PO BOX 2801,

Stoke on Trent,

ST4 9DN.

When submitting your claim, please include:

• Receipts, bills, or valuations for all lost or damaged items.
• Repair or replacement estimates if applicable.
• Details of how the incident occurred (theft, fire, accidental damage, etc.).
• Police reference number for any theft or loss claims.

All claims involving theft or malicious damage must be reported to the police.

Please retain damaged items where possible as they may be required for inspection.

For claims reported before November 10th 2025

Before submitting a claim under your Student Contents Insurance policy, please check your policy schedule to make sure your loss or damage is covered. This will help us process your claim efficiently.

Online Claims Form: Submit Claim

Phone: 0161 974 1101

Post:

Cover4insurance Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

When submitting your claim, please include:

• Receipts, bills, or valuations for all lost or damaged items.
• Repair or replacement estimates if applicable.
• Details of how the incident occurred (theft, fire, accidental damage, etc.).
• Police reference number for any theft or loss claims.

All claims involving theft or malicious damage must be reported to the police.

Please retain damaged items where possible as they may be required for inspection.

For claims reported from November 10th 2025

To make a claim under your Study Abroad Travel Insurance policy, please check your policy wording to confirm your cover before submitting.

Medical Emergency: If you are abroad and require emergency medical assistance, please contact:

UK & Overseas 24-Hour Emergency Assistance: +44 (0)2920 474 125

All Other Claims:

To submit a non-emergency claim (such as cancellation, delay, or lost luggage), please contact:

Email: travel@streamclaimsservices.co.uk

Post:

Travel Claims Department,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

When making your claim, please include:

• Your policy number and contact details.
• Full details of the incident and any supporting documentation (e.g. receipts, reports, proof of travel).
• Police or airline reports for theft, loss, or travel delays where applicable.

All claims should be reported as soon as possible following an incident.

For claims reported from November 10th 2025

For all claims except Legal Expenses claims:

Please fill in a claims form: Claims Form

Cover4tenants.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4tenants.com at the following address:

Post:
Cover4insurance Claims Team,

Davies Group Ltd,

PO BOX 2801,

Stoke on Trent,

ST4 9DN.

Telephone: +443450308105

Check your policy to ensure that the cause of the loss or damage is covered. Your schedule will show which cover sections are operative.

Please include the following details:

• 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.

For all Legal Expenses claims:

Legal Claims Notification & Advice Helpline Service: 01384 887575

We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.

For claims reported before November 10th 2025

For all claims except Legal Expenses claims:

Please fill in a claims form: Claims Form

Cover4tenants.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4tenants.com at the following address:

Post:
Cover4tenants Claims Team,

Stream Claims Services,

Copthall House,

King Street,

Newcastle under Lyme,

ST5 1EL.

Telephone: 0161 974 1101

Check your policy to ensure that the cause of the loss or damage is covered. Your schedule will show which cover sections are operative.

Please include the following details:

• 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.

For all Legal Expenses claims:

Legal Claims Notification & Advice Helpline Service: 01384 887575

We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.

For claims reported from November 10th 2025

See your policy documents for the relevant claims instructions. Make sure to have your policy number and supporting documentation ready.

For claims reported before November 10th 2025

See your policy documents for the relevant claims instructions. Make sure to have your policy number and supporting documentation ready.

For claims reported from November 10th 2025

In the event your insured keys are lost, stolen, accidentally broken, or locked inside your principal home or vehicle, contact our dedicated helpline straightaway on 01480 775069.

Please have ready your policy number, the name of your insurance intermediary, and the scheme reference number FLISCH1000. This helpline is open 24/7, all calls are recorded for training purposes. You may alternatively notify claims by email to: claims@soterps.com.

Please note the following important information:

1. Provide the full address and postcode of your home, vehicle details, and as much information as possible about the incident to help us advise and assist effectively.
2. Do not instruct a locksmith or incur any costs before our agreement; otherwise, costs may not be covered.
3. Authorised repairers will aim to carry out repairs within given timescales but delays may occur due to weather, traffic, or demand.
4. If repair costs exceed the insurer’s limit, you may proceed with the authorised repairer at your own expense for any additional costs.
5. No cover is provided for incidents occurring before the start date of insurance, within the first ten days, or reported more than 30 days after discovery.
6. If we cannot cover your claim, you may still arrange repair under a separate agreement at your own cost.

For claims reported before November 10th 2025

Follow the same instructions above for submitting claims. Ensure you have all relevant policy details, intermediary information, and scheme reference number ready. Contact details remain the same.