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Personal possessions see their fair share of wear and tear, frequently subjected to drops and spills. You might want to take extra steps to make sure your favourite items are covered. Possessions insurance with Endsleigh includes cover for:
That’s probably less than the price of a cup of coffee! *For £2,000 cover, based on a student living in an Off Campus private rented property in Bath.
We'll protect all those things that make a house a home against fire, theft, flood, escape of water and more, up to £1,500 per item
Tenant's liability cover for fire, theft, flood, escape of water to landlord's fixtures and fittings, household goods, furniture and furnishings up to £2,500
Our student policies come with a low excess of just £25, so you won't be too out of pocket should you have an unexpected mishap.
With an Everywhere Student Pack you can pack up your cover in one easy policy up to £1,000, £1,500 or £2,500 to protect your student items everywhere, both on and off campus!
If you’re not sure about whether you need possessions insurance, read some of our helpful FAQs below.
Possessions insurance is cover for your personal belongings while you’re living in shared accommodation against fire, theft and flood. We can also provide:
The ‘replacement cost’ is how much it would cost to replace your belongings should you need to make a claim.
With an Everywhere Student Pack, your gadgets and belongings will only be covered if the replacement cost is less than the limit shown on your policy documents, as follows:
Here’s an example to show you how it works:
You have a mobile phone worth £450, a laptop worth £300 and a tablet worth £150 – because all of these items are each worth less than £500, they can be covered with a £1,000 Everywhere Student Pack. With this £1,000 Pack, you will be provided with up to £1,000 cover throughout the year for your items, as long as the total cost of your claims isn’t more than £1,000.
What happens when I make a claim?
Say you bought a new laptop that cost £300, and purchased an Everywhere Student Pack that provides £1,000 cover for items with a replacement value of up to £500.
A few months later, you (sadly) drop and damage your laptop. Because the replacement cost on your policy is £500 and your laptop only costs £300 to replace, this will be covered under your Everywhere Student Pack policy. Had your laptop cost more than £500, it wouldn't be covered and you would be unable to make a claim.
Remember: It's always worth checking that your items don't cost more than the replacement cost when taking out our Everywhere Student Packs. If any of your items do cost more than the highest replacement cost (£1,250), you can choose to build your own cover.
What about Endsleigh’s laptop/tablet theft policy?
Our laptop/tablet theft policy provides cover for devices with a replacement cost up to £1,250.
Our possessions cover protects personal items while you’re living in shared accommodation, such as:
Remember, the value of some of your personal possessions, particularly jewellery, may fluctuate considerably. Possessions valued at or above the single article limit shown on your statement of insurance should be specified separately.
If you’re heading to university, your personal belongings will not necessarily be covered by your parents’ home insurance policy while you’re living away from home. Even if they are, you may not be covered to take your belongings and gadgets out and about at university.
Some accommodation providers do arrange a level of contents insurance for students while they’re living at university, so check your welcome documents to find out if you have any cover in place.
Even if your accommodation has provided insurance for you, it’s important to make sure that you have the right level of cover in place to ensure your belongings are protected against risks such as accidental and liquid damage.
Yes, if you have any gadgets that you need to protect these can easily be added to your possessions insurance quote.
Our gadget insurance provides cover for theft, accidental damage and loss, as well as 24 hour replacement once your claim is approved (if item is lost*, stolen or unrepairable). Gadget cover is also flexible, allowing you to add multiple gadgets to access up to 15% discount. You can protect:
*If loss cover is selected.
Making a claim with Endsleigh is simple. Just follow this 3 step process: 1. Head to our claims centre and fill in a claims form. 2. Our team will call you to confirm your claim. 3. We’ll approve your claim as soon as possible.