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How do I renew my gadget and possessions policy if I pay monthly?
Each year we’ll write to you and offer to renew your policy for a further 12 months.
If your policy is paid monthly, we have assumed that your permanent home address has not changed and you'd like the same items insured as you did last year. Unless you call us to make changes, your policy will automatically continue from your renewal date, so your possessions continue to be protected and you'll continue to benefit from all of our policy features. Plus, our low cost cover will automatically include any no claims discount you may have earned.
If for any reason we are unable to automatically renew your policy, we will write to you to tell you what you need to do to make sure you continue your cover.
What if I pay annually for my gadget and possessions policy?
If you paid annually for your policy and it is not set to automatically renew, you can stay protected by calling us on 0333 234 1552.
If your policy is set to auto-renew, we will use the card you originally provided us with to automatically renew your cover, unless you tell us to use an alternative card or payment method, not to renew, or if your card has expired and been replaced during the policy year. If, for any reason, we are unable to automatically renew your policy, we will write to you to tell you what you need to do to make sure you continue your cover.
What if I need to update the details on my gadget and possessions renewal quote?
If you need to make changes to your gadget and possessions renewal quote, please call us on 0333 234 1552.
Yes, if your policy is claim free you can cancel your cover at any time during the policy year.
If you need to cancel your possessions policy, we will need to speak to you - please speak to us on Live Chat or call us on 0333 234 1552.
Opening hours are Mon-Fri: 8am to 6pm, Sat-Sun: Closed.
Will I get a refund?
If you request to cancel within the first 14 days once the policy starts (the “cooling off” period) you will be entitled to a full premium refund, minus the time on cover.
Please note that some policies do not allow a refund if they are cancelled within the last four months.
Is there a cancellation fee?
If you cancel your policy within the first 14 days once the policy starts, there is no cancellation fee.
If you cancel your policy after the initial 14 days, you will incur a £15 cancellation fee.
I pay monthly for my policy – do I need to cancel my direct debit?
You can cancel a Direct Debit at any time by simply contacting your bank or building society, although written confirmation may be required.
Please also notify Premium Credit Limited before cancelling your direct debit to ensure you don't incur any late payment fees. You can contact PCL directly on 0344 736 9814.
In light of the Covid-19 pandemic, we continue to work with your accommodation provider to make some flexible changes to your insurance cover so you can still make a claim if you need to.
Below is a summary of the changes we have made:
Have you left your possessions inside your room?
We know you might have left your accommodation at short notice and returned home, and you might not have taken all of your possessions with you. Normally, we won’t pay a claim if you leave your belongings in a place nobody is living in for more than 60 consecutive days, but we’ve removed this condition for the rest of your policy year. This means if you’ve left some of your belongings behind at university you’ll still be able to make a claim, even if nobody is living at you student address.
Are your possessions covered when you are travelling home?
When you are travelling home, you may be carrying important items. We’ve increased your cover for theft whilst you’re travelling home up to £500 per bag of possessions. Cover only applies within the UK.
Have your possessions been put into storage at your accommodation?
Your accommodation provider may have put your possessions into secure storage for you. Please be reassured that cover for these items will still apply in storage and this includes all items up to the limits on your policy certificate. Please see the link below to view your policy certificate.
Are you living in temporary accommodation?
If you have been moved into temporary accommodation elsewhere, the block possessions policy will still cover you and you can still make a claim if you need to. This is to make sure you receive the same protection you had when you were in your designated student accommodation.
Communal area protection
We understand you may be spending more time inside your designated accommodation areas than ever before, possibly using common room spaces or communal areas. Laptops & Tablets will be insured for theft outside of the room and inside your designated accommodation communal areas. Cover applies in common rooms, shared living rooms, kitchen or bathroom within the designated student residence. Cover limits are listed on your policy certificate.
If you do need to make a claim;
Our specialist claims team are still running at full capacity. We wanted to provide a reminder on how you can make a claim under this policy:
- Claims can be registered 24 hours a day, 365 days a year by reporting them online via www.endsleigh.co.uk/claim-centre/
- Endsleigh’s Claims Service is open five days a week, Monday to Friday 9:00am-5:30pm; Phone number - 0800 923 4042. This number will be directed to an out of hours support service outside of these times.
Last updated: 09 October 2020
Your cover will start from the date you specified when you took out your gadget insurance policy.
The first 14 days of your policy are the ‘cooling-off period’, which gives you time to check your cover is right for you and let us know if anything needs to change. Within the cooling off period you can cancel your policy without incurring a cancellation charge. If you have not made a claim we will refund your premium, less a charge for the time you have been insured.
What is a ‘period of insurance’?
Your gadget and / or possessions policy with Endsleigh will have a specified period of insurance, which is the time during which your belongings will be protected. Your ‘period of insurance’ will be between the start date and end date stated on your policy documents.
Please note that gadget and possessions policies with Endsleigh have a maximum period of insurance of 12 months.
There are a few key restrictions you should check before you buy your gadget insurance.
For example, we can’t insure any gadget or mobile phone more than three years old when cover begins. We also can’t cover any gadget or mobile phone where you cannot provide proof of purchase.
If you bought your gadget second-hand from a friend, you’d need to ask them for a receipt/bank statement to prove when it was purchased.
Check your policy wording for full details of what’s covered and what’s not.
Endsleigh’s gadget insurance policies provide cover for up to 90 days worldwide against theft, loss, accidental and liquid damage.
Yes, you can insure a gadget purchased from eBay with Endsleigh’s gadget and possessions insurance - you will just need to ensure your gadget is less than 3 years old at the time the policy starts. You will also need to provide proof of ownership (such as an invoice) in order to make a claim.
Please note: Gadgets and mobile phones must be in good condition and full working order when you purchase your policy. We will also be unable to provide cover for loss or damage that occurred before the start of your policy.
Yes, you can insure a gadget bought from eBay you will just need to ensure your gadget is less than 3 years old at the time the policy starts. You will also need to provide proof of ownership (such as a till receipt) in order to make a claim.
Yes you can. As long as the gadget is less than three years old when cover begins. You’ll also need to provide proof of purchase – something which you can hopefully get from your friend.
Check your policy wording for full details of what’s covered and what’s not.
Yes, you can insure a gadget received as a gift- you will just need to ensure your gadget is less than 3 years old at the time the policy starts. You will also need to provide proof of ownership (such as a till receipt) in order to make a claim.
Yes, we are able to offer cover for gadgets - including phones, laptops and tablets - that have been purchased abroad.