Student Insurance Essentials

Student Products

At Cover4students we are always looking at student lifestyles and how we can develop our insurance for students to match the student's insurance requirements.

From feedback gathered over a number of years, it is clear that, as a result of numerous factors, not all students wish to insure all their personal possessions under one all-encompassing policy. Students have often got a level of insurance elsewhere, such as:

  • With the University Halls of Residence which is automatically included as part of their accommodation.
  • Covered by Parents home insurance for contents in your university halls.
  • Already covered by another student insurance policy for your possessions but need to extend the cover for a new item or your current policy can't cover the item you wish to insure.
  • Not leaving home and only require cover while travelling to and from university.

Whatever the reason we designed our insurance for students product cover to match these needs. We can now offer a flexible student 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. We can also offer insurance for students, just for tuition / course fees or protection against the cost to resit an exam please see the tabs for a list of what we can cover.

Why choose Cover4Students?

  • Specialist Student Insurance
  • New for Old cover
  • Single or Multiple Cover Options
  • Covers your items for theft & accidental damage anywhere within the UK
  • Worldwide Cover for up to 60 Days within the insured period, for: iPads/Laptops, Mobile Phones, and Camera Equipment.
  • Instant cover available
Student Insurance Essentials Quote

Insurance Options

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:

  • Computer equipment anywhere within the UK up to £3,000
    (Plus Up To 60 Days Worldwide)
  • Tuition fees and rental protection up to £20,000.
  • Accidental damage to landlord's property/tenant's liability up to £10,000.
  • Accidental damage up to £10,000 for audio equipment, camera equipment, computer equipment, games consoles, television, video and DVD players owned by you within your insured address.
  • Personal Accident cover up to £50,000.
  • Mobile phone cover anywhere within the UK up to £1,000.
    (Plus Up To 60 days Worldwide (Please note: The mobile phone must have been purchased within the UK or your Home Country and been used with a UK SIM card.))
  • Pedal cycles cover anywhere within the UK up to £1,000.
  • Photographic Equipment | Cover Anywhere Within The UK up to £5,000
    (Plus Up To 60 Days Worldwide)
  • Musical instruments anywhere within the UK up to £3,000.
  • Specified Items anywhere within the UK up to £3,000.
    (Plus Up To 60 Days Worldwide)
  • Unspecified items anywhere within the UK up to £1,500.
  • Excess protection insurance cover up to £1,000.

We make it easy

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.

Student Insurance Essentials Quote

Policy Documents

If you purchase Student Product Insurance from Cover4Students, 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 Student Product Insurance — Policy Wording and Policy Summary documents, so that you can view prior to purchase or at any time after.

How to view the policy documents

The insurance for students 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 01/08/2023   
Adobe PDF Policy Wording  Claims Form 
Adobe PDF Policy IPID
Policies Purchased after 01/03/2023
Policies Purchased up to 01/03/2023
Adobe PDF Policy Wording  Claims FormPolicy Wording Adobe PDF
Adobe PDF Policy IPIDPolicy IPID Adobe PDF
Insurance Product Information Document.
Student Insurance Essentials Quote


insurance claims award

For all claims except Legal Expenses claims:

Please fill in a claims form:  Claims Form will deal with all claims. You must refer all correspondence and telephone enquiries to 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:

  • 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.

Student Insurance Essentials Quote