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  • If your policy is claim free you can cancel your cover at any time however, some policies do not allow a refund if they are cancelled within the last four months.  Please check your statement of insurance for more information on cancelling your policy including any cancellation fees  or click  for details of our fees and other charges.

    Please contact our Customer Service team on 0333 234 1558 to cancel your policy mid-way through the year.  


  • Gadgets, including mobile phones, that have been purchased outside of the UK can be covered, but all items would need a valid receipt in order for claims to be processed properly. Mobile phones must be fitted with a UK sim in order to make a claim.

  • When setting up your gadget and possessions policy, you can add specified gadgets which include cover away from the home.  You can also specify items that aren't gadgets such as jewellery, sport equipment  and cameras, individually worth over £500 to be covered away from the home. Any individual  items worth less than £500 do not need to be specified but cover away from the home must be selected. 

    If you purchase this additional cover then items you take outside of your room will be insured anywhere in the UK and up to 90 days worldwide against theft, accidental damage and loss. They will be replaced on a new for old basis.  For any individual item of jewellery or valuables you have specified, you will be required to provide evidence of value in the event of loss or damage to that item. Acceptable evidence of value may be in the form of the original purchase receipt or a written valuation no more than 5 years old.

    If an item does not appear in the list and there is no option for 'other', we are unable to insure it at this time. Gadgets such as mobiles, laptops and tablets are not included in this section and cover must be purchased separately. 


  • Yes, you can cover bicycles up to the value of £1000, this includes the value of any fixed accessories.

  • Yes, you can cover your instruments either on our specific musical instrument policy or as items on your Contents and Possessions policies.

    On our Possessions product, you can cover your instruments up to the individual value of £3000, for accidental loss and damage. You will get up to £150 to hire an instrument whilst yours is in for repair or is being replaced.  An excess of just £50 would need to be paid in the event of a claim. 

    On our Contents product, if your musical instrument is valued at £1500 or more you are asked to name the item on your policy.  You also get the option to cover the instrument outside of the home as well as being covered inside.  If the musical instrument is valued under £1500 this would be covered under unspecified personal effects up to the single article limit detailed in your policy documents. An excess of just £100 would need to be paid in the event of a claim.

    Alternatively, we provide specific musical instrument policies that offer 3 levels of cover so you can choose where in the world you want to be covered and cover your instruments up to a value of £10,000 in total. Find out more about musical instrument insurance.

    Where the musical instrument is a vintage and rare or collectible item, we will pay up to the sum insured but only where it is supported and validated by a written valuation from a professional and competent person, made no more than 12 months prior to the commencement date and a photographic record is kept of the front and back of the item, together with any receipts.

  • Yes, you can cover your student house keys (including swipe cards) up to a maximum of 3 keys per lock on our gadget and possessions insurance product. You will get up to £500 towards replacement locks and keys, and in an emergency, we will pay up to £50 for a locksmith to get you into your home. Keys will only be covered if attached to the key fob provided by Key-Care Ltd. Costs relating to a damaged key or lock or general wear and tear will not be covered. Keys will not be considered irrecoverable until lost for at least 3 days. The keys must have been lost or stolen from the policyholder, or a member of their immediate family living at the same address. The policyholder must notify Key-Care Ltd within 30 days of loss or theft of keys.

  • Yes, you can claim for your external hard drive provided that they are lost, damaged or stolen at the same time as the laptop or gadget the hard drive is used with.

  • Phones and gadgets must be in good condition and full working order when you purchase the insurance. If there is evidence that the damage or loss occurred before the policy inception date, this will result in your claim being refused.

  • You can make changes to your policy at any time such as adding a new item, removing an old one or changing your sum insured. Please give us a call us on 0333 234 1552.

  • To make a change to your gadget and possessions insurance policy from the renewal date you will need to get a new quote.     

    Find out more about gadget insurance here , or  get a quote.     

    Please ensure that if your current policy is set to automatically renew that you contact us to stop this happening.   

Haven’t found what you’re looking for? Please call us on 0333 234 1552 to speak to one of our consultants. Alternatively, visit our contact centre and we’ll get you through to the right place.

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