Our Student Contents insurance policy covers your personal possessions at University, in halls or rented accommodation, at your permanent home address and whilst travelling to and from University.
- Low cost insurance
- Choice of cover
- Loss, Theft and Accidental Damage
- Low excess
Which items do I need to specify?
You need to specify your mobile phone, laptop or tablet and any other item valued over £500.
What is covered under this policy?
The policy covers all your possessions in your room at university or college or in rented accommodation; at your permanent home address; on the journey to and from university or college in a train or car; plus those things that you would normally carry around with you. You are insured against them being damaged in a fire, flood, or other natural calamity, or if they are accidentally damaged or stolen.
Is there an excess if I make a claim?
Yes, there is a £50 excess applicable to your mobile phone and tablet and a £100 excess on your laptop or computer. All other claims are subject to an excess of £25 except a cash loss which is subject to a £10 excess.
Is there a limit to what I can claim for?
Yes. There is a single article limit of £750 for your mobile phone, £1250 for a laptop and tablet and £1000 for any other item. In total you will only be able to claim for the total sum insured selected by you and shown on your certificate.
When does the cover end?
You may end it at any time by giving us 14 days' notice in writing or by email. We will invite renewal of this policy each year on 1st September.
What happens in the event of a claim?
Please contact our Customer Service Department on 01306 746300 who will take brief details of the claim and forward this information to Adjusting Associates LLP, a specialist claims management company who will then correspond with you regarding the claim.
If you have any questions or concerns about the handling of a claim you should, in the first instance, contact:
Managing Director, SFS Group Ltd, Dean House Farm, Church Road, Newdigate, RH5 5DL Tel. 01306 746300.
In the event that you remain dissatisfied and wish to make a complaint, you can do so at any time by referring the matter to Lloyd's.
Lloyd’s address is: Policyholder & Market Assistance, Market Services, Lloyd’s, One Lime Street, London EC3M 7HA Tel No: 020 7327 5693 E-mail: firstname.lastname@example.org Details of Lloyd’s complaints procedures are set out in a leaflet ‘Your Complaint - How We Can Help’ available at www.lloyds.com/complaints also available from the above address.
If you remain dissatisfied after Lloyd’s has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, LONDON E14 9SR Telephone: 0800 023 4567 from a land line or 0300 1239123 from a mobile phone or e-mail email@example.com The FOS will only consider your complaint if you are a private individual or a “micro enterprise”. A “micro-enterprise” is defined as a business with an annual turnover not exceeding €2million and fewer than ten staff.