SFS Group University Cover
Summary of Cover
| Personal Possessions Cover | Maximum Cover | Excess |
|---|---|---|
| Contents of room | £5,000 | £30 |
| Personal Belongings | £100 | £30 |
| Personal Money | £40 | £10 |
| Individual item limit - not specified | £1,000 | £30 |
| Individual item limit - specified | £3,000 | £30 |
| Accidental damage | £250 | £30 |
| One bicycle* | £250 | £30 |
| One mobile phone | £150 | £30 |
| One computer or laptop computer* | £3,000 | £30 |
| Replacement keys/lock | £150 | £30 |
| Landlord's Property | £1,000 | £30 |
| College Property | £250 | £30 |
| Personal Accident Cover | Maximum Cover | Excess |
| Loss of eye(s) | £20,000 | n/a |
| Loss of limb(s) | £20,000 | n/a |
| Death | £5,000 | n/a |
| Legal Expenses Cover | £10,000 | n/a |
* These items will only apply when selecting Option 2, 3 or 4.
Monthly Contributions
| Cover Options | On Campus | Off Campus |
|---|---|---|
| 1. Standard Cover | £11.00 | £18.00 |
| 2. Including one computer or laptop | £13.00 | £20.00 |
| 3. Including one bike | £12.00 | £19.00 |
| 4. Including one computer or laptop and one bike | £14.00 | £21.00 |
Contributions are reviewed, although not necessarily changed, annually.
All contributions quoted are inclusive of Insurance Premium Tax (IPT) at 5%.
Claims
The underwriter shall indemnify and shall be entitled, at their sole option, to repair, replace or pay for any article lost or damaged, whether wholly or in part. However, the underwriter's liability in respect of stamps is limited to 75% (percent) of the Stanley Gibbons valuation.
Claims for computers will be on the basis of "new for old" where the item is less than 12 months old. Other computer claims will be paid at the current marketrate less an amount for depreciation. Proof of purchase will be required for all claims.
When making a claim for Personal Possessions, please contact SFS Group on 01306 746300 and a claim form will be forwarded by return of post. Alternatively, you can download a claim form from our website at www.sfs-group.co.uk.
For Personal Accident claims, please contact Equity Claims Ltd, PO Box 500, Cardigan House, Swansea, West Glamorgan, SA1 9BA or telephone 0870 240 1556.
For Legal Expenses claims, please telephone the legal advice line on 0870 3501730. If you do not notify us within 180 days of becoming aware of a potential claim, you will not be covered.