The Warehouse

Warehouse

The Warehouse logo

If you have been informed by your student accommodation provider that you have The Warehouse cover, there is some good news; you automatically have a basic level of insurance cover in place with us.

This insurance will provide a range of cover for your possessions within your accommodation such as cover for your laptop, electrical goods, clothes and sports equipment. This insurance has been arranged by your accommodation provider with Cover4Students.

You will find a summary of the cover in the tabs. We recommend that you download and read the policy schedule and policy wording; ensuring that you understand the cover provided and that it is suitable for your needs.

You may find that you need more cover than is provided already. Don't worry - there is a section below listing the range of optional top up covers that are available. For example, you may wish to insure items outside of your student accommodation such as a laptop or tablet or you may wish to add Mobile Phone Insurance (as Mobiles are excluded from the basic cover).

Get exclusive access to our Benefits Hub where you can access discounts up to 75% off well-known brands.

Enter a free competition to win £500 

By confirming your cover you get access to our Benefits Hub where you can access discounts up to 75% off well-known brands.

Register Your Details to Extend Your Cover

Students staying with one of our accommodation providers get contents insurance automaticallyincluded. To check your cover request your policy schedule and policy wording with Cover4Insurancebelow.

Once registered you will be:

  • Emailed your policy documents.
  • Entered into a free prize draw with a chance of winning £500 winnerto be announced in early November 2024.
  • Provided exclusive access to our Benefits Hub where you can access a huge variety of savings anddiscounts across many reputable retailers.
  • You will be sent a 10% discount code for our Student Possessions Insurance when this policyexpires.

Benefits

How Much Am I Insured For?

Your possessions are insured inside of your accommodation for up to £7,000 in total. In addition, a further £2,000 cover is provided for computer equipment (including laptops) within your accommodation.

What Is Covered:

  • Personal possessions within the insured address — up to £7,000.
  • Replacement locks & keys — up to £350.
    This cover does not include lost keys; visit Keyprotect if you require insurance for lost keys.
  • Desktop computer equipment | room only — up to £2,000.
  • Ipads laptops & portable computer equipment | room only — up to £2,000.
  • Vacation cover — up to £4,000.
  • Personal accident — up to £50,000.
  • Credit cards — up to £500.
  • Personal money — up to £50.
  • College | university property on loan — up to £750.
  • Landlords property | tenants liability — up to £5,000.
  • Legal liability — up to £1,000,000.
  • Mobile phone | room only — up to £1,000.
  • Personal possessions from college / university & student union buildings — up to £500.
  • Personal possessions from communal areas — up to £1,000.
  • Musical instruments | room only — up to £600.

Important: You may need to extend the basic policy cover to protect your valuable items such as your mobile phone, iPod, bicycle etc if you are taking them out and about (travelling to and from university).

Register Your Details to Extend Your Cover

Exclusions

We strongly recommend that you read the full terms contained in the policy wording document to see A full list of the terms and conditions that govern your policy with us. These can be downloaded from the Policy Documents / Claims tab.

What Is Not Insured:

  • The policy excess:
  • Pedal cycles valued over £1,000 – 10% of the pedal cycle value.
  • Photographic equipment valued over £1,250 – 10% of the photographic equipment value.
  • iPads laptops & portable computer equipment | room only £50.
  • All other sections £25.
  • Lost or stolen keys (visit Student Keyprotect if you require insurance for the loss of keys).
  • Contact lenses.
  • Pedal cycles and mobile telephones (unless the basic cover is extended).
  • Cover outside of your accommodation (unless the basic cover is extended).
  • Cover for pedal cycles only applies when the relevant policy top up / optional extension has been purchased in addition to the master policy. Cover for photographic equipment over £1,250 only applies when the relevant policy top up / optional extension has been purchased in addition to the master policy.

    Maximum Amounts Payable:

    The following categories of items are subject to a maximum amount payable during the period of insurance.

    • Personal possessions single item limit — up to £1,167.
    • Computer equipment — up to £2,000.
    • Audio equipment — up to £1,167.
    • Tv, games consoles, video and dvd players — up to £1,167.
    • Photographic equipment, video camera’s & camcorders — up to £1,167.
    • Sports equipment £1,167.
    • Jewellery, watches & other valuables — up to £1,167.
    • Liability for rented household goods — up to £1,167.
    • Music, video, dvd, software & other data carrying media — up to £350.

    Your Duty of Care

    You must, at all times, take all reasonable steps to prevent accidents, loss and damage.

    Register Your Details to Extend Your Cover

    Claims

    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:  Make A Claim

    Phone: 0161 974 1101

    Post:

    Cover4students Claims Team,

    Stream Claims Services,

    Copthall House,

    King Street,

    Newcastle under Lyme,

    ST5 1EL.

    If you have a valid claim, complete the claim form with, where possible:

    • 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.

    Register Your Details to Extend Your Cover

    Optional Extensions

    Our range of top ups allow you to insure the items that are most important to you.

    By offering a range of top ups you have the flexibility to chooses the covers that are most important to you, whether that is to add cover for a mobile phone or musical instruments or you just want cover for items outside your accommodation we have an option to suit you. The additional cover options available are listed below:

    Policy Benefit IncludedUpgrade up to
    Personal Possessions £7,000£14,000
    Computer Equipment £2,000£4,000
    Course Fees and Rent Cover No£20,000
    Criminal Assault No£500
    Legal Expenses No£30,000
    Accidental Damage No£4,000
    Accidental Damage To Landlords Property | Tenant's Liability No£10,000
    Accidental Death, Injury or Illness of A Financially Supporting Parent or Guardian No£5,000
    Mobile Phones | Anywhere in the UK
    (plus up to 60 days Worldwide)
    No£1,500
    Pedal Cycles | Anywhere in the UK
    (plus up to 60 days in Europe)
    No£3,000
    Digital Download No£1,000
    Exam and Coursework Cover No£250
    Photographic Equipment | Anywhere in the UK
    (plus up to 60 days Worldwide)
    No£5,000
    Musical Instruments | Anywhere in the UK No£3,000
    Excess Protection Insurance No£1,000
    Specified Items | Anywhere within the UK
    (plus up to 60 days Worldwide)
    No£3,000
    Unspecified Items | Anywhere within the UK
    (plus up to 60 days Worldwide)
    No£4,000
    Extra Covers For International Students
    International Student Repatriation NoUp To £5,000

    Please note that your policy will expire when you move out of your student accommodation or when your Master Policy expires, whichever is sooner. Any extensions you make will also expire with the Master Policy.

    Register Your Details to Extend Your Cover