The Student Insurance Specialists Cover Explained.


Campus Student Possessions Insurance provides cover for student's belongings whilst living in halls of residence and rented student accommodation in the UK, such as shared student houses and student flats.

We offer two types of cover:

  1. BASIC COVER
    Provides you with essential protection plus a range of optional extensions that can be selected to suit your specific insurance requirements.
  2. COMPREHENSIVE COVER
    Includes all the benefits of Basic cover plus a range of additional inclusive cover items.
  • At your term time address.
  • At your parents' home(s).
  • In temporary accommodation.
  • Whilst in transit to and from your home at the beginning and end of each term.
  • In locked storage on campus at any time.

INSURED PERILS

Items are covered on a 'new-for-old' basis against loss or damage by fire, flood, storm, theft, escape of water and other similar causes. (Except clothing, linen and rented household goods - where a deduction is made for 'wear and tear').

COVER DESCRIPTIONSUM INSUREDBASICCOMPREHENSIVE
PERSONAL POSSESSIONS WITHIN THE INSURED ADDRESS£2,000-£8,000INCLUDEDINCLUDED
DESKTOP COMPUTER EQUIPMENTITEM LIMITS APPLYINCLUDEDINCLUDED
LAPTOP & PORTABLE COMPUTERS | ACCOMMODATION ONLYITEM LIMITS APPLYOPTIONALINCLUDED
LAPTOP & PORTABLE COMPUTERS | ALL RISKS£500-£2,000OPTIONALOPTIONAL
TUITION FEES & RENTAL PROTECTION£2,000OPTIONALINCLUDED
ACCIDENTAL DEATH OF A PARENT OR GUARDIAN£5,000INCLUDEDINCLUDED
UNIVERSITY PROPERTY ON LOAN£250INCLUDEDINCLUDED
LANDLORDS PROPERTY | TENANTS LIABILITY£5,000INCLUDEDINCLUDED
CRIMINAL ASSAULT£500OPTIONALINCLUDED
LEGAL EXPENSES£30,000OPTIONALINCLUDED
ACCIDENTAL DAMAGEITEM LIMITS APPLYOPTIONALINCLUDED
PERSONAL ACCIDENT£10,000EXCLUDEDINCLUDED
CREDIT/DEBIT CARDS£500EXCLUDEDINCLUDED
PERSONAL MONEY£50EXCLUDEDINCLUDED
LEGAL LIABILITY£1,000,000EXCLUDEDINCLUDED
ALL RISKS | SPECIFIED ITEMS£0-£1,000OPTIONALOPTIONAL
MOBILE PHONES£200OPTIONALOPTIONAL
PEDAL CYCLES£250OPTIONALOPTIONAL

BASIC COVER - WHAT'S INCLUDED?

Possessions within the insured address:
Cover available from £2,000 to £8,000 in total.
Desktop Computer Equipment:
Cover included automatically. Item limits apply.
Accidental Death of a Parent or Guardian:
Up to £5,000 in total.
Landlords Property | Tenants Liability:
Up to £5,000 in total as standard.
College property on loan:
Up to £250

BASIC COVER - OPTIONAL EXTENSIONS

A range of Optional Extensions are available to cover items such as:

  • Laptop & Portable Computers.
  • Course Fees and Rental Protection.
  • Mobile Phones.
  • Cycles.
  • Accidental Damage.
  • Criminal Assault.
  • Legal Expenses.
  • All Risks cover away from the insured address for specified items

COMPREHENSIVE COVER - WHAT'S INCLUDED?

Possessions within the insured address:
Cover available from £2,000 to £8,000 in total.
Desktop Computer Equipment:
Cover included automatically. Item limits apply.
Laptop & Portable Computer Equipment:
Cover is provided within the insured address as standard. Item limits apply.
Accidental Damage:
Cover for accidental damage within the insured address.
Course Fees & Rental Protection:
Up to £2,000 cover as standard.
Landlords Property | Tenants Liability:
Up to £5,000 in total as standard.
Accidental Death of a Parent or Guardian:
Up to £5,000 in total.
College Property on loan:
Up to £250 plus £250 cover for library books.
Criminal Assault:
Up to £500 cover for costs incurred to you as a direct result of a criminal assault.
Legal Expenses:
Up to £30,000 of cover.
Personal Accident Cover:
Up to £10,000 cover included automatically.
Legal Liability Cover:
Up to £1,000,000
Fraudulent use of Credit & Debit Cards:
Up to £500 cover for fraudulent use of your credit & debit cards following theft from your accommodation.
Personal Money Cover:
Up to £50 following theft from your accommodation.

COMPREHENSIVE COVER: OPTIONAL EXTENSIONS

Comprehensive Cover can be extended to include any of the following items.

  • Laptop & Portable Computers | All Risks:
    • Cover outside of the insured address for accidental damage or theft anywhere within the UK.
  • Specified Items | All Risks:
    • Cover for specified items outside of the insured address for accidental damage or theft anywhere within the UK. (Excluding Laptop & Portable Computers, Mobile Phones and Pedal Cycles, which can be insured under separate optional extensions available).
  • Mobile Phone Cover:
    • Cover for accidental damage or theft of your mobile phone anywhere within the UK up to £200 in total.
  • Pedal Cycle Cover:
    • Cover for accidental damage or theft of pedal cycles anywhere within the UK up to £250 in total.

WHAT ARE THE COVER LIMITS & EXCLUSIONS?

STANDARD SINGLE ITEM & GROUP LIMITS
Item and group limits are determined by the possessions sum insured. Items 1-6 apply for Basic Cover, Items 1-7 apply for Comprehensive Cover.

  1. Audio Equipment.
  2. TV, Video & DVD Players.
  3. Photographic Equipment, Video Cameras & Camcorders.
  4. Jewellery, Watches & other valuables.
  5. Music, Video, DVD, Software & other data carrying media (£350.00 in total).
  6. Desktop Computer Equipment.
  7. Laptop & Portable Computers | Room Only (Comprehensive Cover only).

POSSESSIONS SUM INSURED ITEM & GROUP LIMITS

  • Sum insuredSingle item limits
    £2,000£500
    £4,000£750
    £6,000£1,000
    £8,000£2,000

Optional cover extensions are limited to the amount shown in your policy schedule for each particular cover section.

PRINCIPAL EXCLUSIONS

  • The first £10 of any claim (the claim excess).
  • Theft from unattended vehicles.
  • Damage to sports equipment whilst in use.
  • Mobile phones, Pedal Cycles, Laptop & Portable Computers unless specifically insured.
  • Cover away from the insured address unless specifically insured.
  • Items used for business purposes.
  • Contact Lenses.

INSURER INFORMATION

UNDERWRITTEN BY ROYAL & SUNALLIANCE.
The Campus Student Possessions Insurance policy is underwritten by Royal & Sun Alliance Insurance Plc, which is authorised and regulated by the Financial Services Authority. Register Number 202323.

Royal & Sun Alliance Insurance Plc (No. 93792). Registered in England and Wales at: St. Mark's Court, Chart Way, Horsham, West Sussex. RH12 1XL.


 The above information is just a sumary and does not constitute the policy. For a full policy wordinig please click here