The only insurance provider recommended by NUS
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.
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.
You can also check whether you have already cover in place with Endsleigh here.
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.
We can also provide cover for bikes and musical instruments under our possessions policy - you’ll just need to make sure you select this cover when you get a quote.
Need to insure multiple gadgets? Protect your gadgets against theft, accidental and liquid damage, with up to 15% multi gadget discount!
Whether it's for business, coursework or gaming, protect your laptop against theft, accidental and liquid damage, including cracked screens.
Cover for tablets against theft, accidental and liquid damage as well as cracked screens, with replacement in 24 hours once your claim is approved (if item is stolen or unrepairable).
Taking your gadgets to uni? Protect your gadgets against accidental and liquid damage, anywhere in the UK and up to 90 days worldwide.
Protect your bike and it’s accessories against theft and accidental damage, anywhere in the UK and up to 90 days worldwide.
Instrument protection anywhere in the UK against accidental damage and loss, with cover for up to £150 to hire a replacement instrument.
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.
Our friendly team are ready to talk to you:
Mon-Fri: 8am to 6pm; Saturday, 9am-1pm