If you are a student living in University accommodation your personal belongings are insured by Cover4Insurance. The insurance policy is not available to students living in CRM-managed student accommodation or private housing.
If you are not covered you need to make sure that you insure your belongings.
University accommodation insurance cover
If you live in the University's accommodation, on campus or in the city, then you will be automatically enrolled in the policy.
You will only be covered by this policy if you live in:
- Brendon Court
- Canal Wharf
- Carpenter House
- Clevelands Building
- John Wood Building
- John Wood Court
- Marlborough and Solsbury Court
- Norwood House
- Osborne House
- Pulteney Court
- Polden Court
- The Quads
- Thornbank Gardens
- Woodland Court
If you want to review the policy, or contact Cover4Insurance, you will need the policy number BATH2016.
What the insurance covers
The policy covers your core contents and possessions.
There is an excess on your possessions. An excess is the amount you will have to pay for each claim that you make.
Make sure you read the documents associated with your insurance carefully so you know which items are covered, and in which circumstances.
Items covered by the insurance policy
Your policy will cover you for:
|Item covered||Value of cover|
|Possessions||Personal possessions up to £7,500 (up to £8,500 if you are registered as disabled)|
|Computer equipment up to £2,500|
|Personal possessions from communal areas up to £1,000 in total|
|Musical instruments up to £1,000 in total|
|Contact lenses up to £150|
|Landlord's property||Up to £5,000 for theft or fire damage|
|Theft, damage or loss to belongings||In transit at the beginning and end of term: up to £5,000|
|In University designated storage during vacations: up to £5,000|
|In University and Students' Union buildings: up to £500|
|Library Books||Up to £250|
|University property on loan||Up to £500|
|Replacement keys and locks||Up to £50, following damage resulting from burglary|
|Rented household goods||Up to £1,250|
|Personal money||Up to £50, for theft from your room following forcible entry|
|Mobile phone||Up to £750, for theft from your room following forcible entry|
|Credit/debit card fraud||Up to £500, for theft from your room following forcible entry|
|Personal Accident||Up to £10,000, on a scale of benefits|
|Accidental death or redundancy of a parent or guardian||Up to £5,000|
|Legal liability for injury to others or damage to their property||Up to £1,000,000|
Items not covered by the insurance policy
Your policy will not cover you for:
- theft from vehicles, except during transit at the beginning and end of each term
- mobile phones when outside your accommodation
- items outside your accommodation
You can extend your cover to include items such as mobile phones, bicycles and items outside your accommodation.