First Year Student Living In Halls?
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.
At Cover4insurance we are always looking at ways we can develop our insurance products, to match the insurance requirements of our customers.
From feedback gathered over a number of years, it is clear that, as a result of numerous factors, not all wish to insure all their personal possessions under one all-encompassing policy.
Whatever the reason we designed our essentials insurance product cover to match these needs. We can now offer a flexible insurance policy so that you can insure as many or as few items as you wish.
So whether it's the latest gadget, mobile phone or laptop we can cover it.
Our essentials insurance product has been designed so that you can just cover your essential items if you do not wish to take out a full contents & possessions policy. Our options include:
You can get an essentials insurance quote in seconds; With a flat rating structure it means that it is the same rate wherever you live in the UK, whether that’s London, Cardiff, Edinburgh or Belfast its all the same. So in order to get a price all we need to know is the section you wish to insure and the amount of cover you require. Essentials insurance can be taken out instantly and policy documents will be emailed to you, we also offer a 14 day cooling off period, meaning if you decide for any reason that the essentials insurance policy does not meet your requirements, within the first 14 days after purchase. We offer a full refund of your essentials insurance premium if you decide to cancel provided no claim has been made or pending – so don’t delay, get cover today.
If you purchase Product Insurance from Cover4insurance, we will send you an email confirming your purchase of cover and provide you with your personal student product insurance policy schedule, policy wording and policy summary documents. You will also have the option for a printed copy to be sent via post subject to an additional postage premium being paid. We also provide the option below for you to view and download the Product Insurance — Policy Wording and Policy Summary documents, so that you can view prior to purchase or at any time after.
The insurance policy documents are available as PDFs. To view these documents you will need a PDF reader. Download Adobe Reader from the
Adobe website or visit Access Adobe for help. To view your documents, please click on the links below:
| Policies Purchased after 01/08/2024 | ||
 Policy Wording | Claims Form | |
| Policy IPID† | ||
| Policies Purchased after 01/08/2023 | Policies Purchased after 01/03/2023 | |
| Policy Wording | Claims Form | Policy Wording |
| Policy IPID† | Policy IPID† |
For all claims except Legal Expenses claims:
Please fill in a claims form: Claims Form
Cover4students.com will deal with all claims. You must refer all correspondence and telephone enquiries to cover4students.com at the following address:
Cover4students Claims Team,
Stream Claims Services,
Copthall House,
King Street,
Newcastle under Lyme,
ST5 1EL.
Telephone: 0161 974 1101
Check your student's contents insurance 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:
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.
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.
Musical Instruments Insurance Quotes