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What does possessions insurance cover?

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:

Bullet Point

Cover from £2.04 per month!*

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.

Bullet Point

Your clothes, household items, personal effects and more

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

Bullet Point

Tenants' liability cover

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

Bullet Point

Low excesses

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.

Studying at uni? Protect your stuff for as little as £8 per month!

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!

What's covered?

  • Items with a replacement cost up to £500 with a £1,000 pack, £750 with a £1,500 pack or £1,250 with a £2,500 pack.
  • 24 hour replacement once your claim is approved (if item is stolen or unrepairable).
  • Theft
  • Accidental and malicious damage, including cracked screens
  • Flood and fire
  • Mechanical breakdown
  • Protection anywhere in the UK, up to 90 days worldwide.
  • No excess applies to claims for theft, assault and mugging, malicious damage, or arson

What's not covered?

  • Your excess
  • Mechanical breakdown before the expiry of the manufacturer's warranty
  • Gadgets and mobile phones more than 3 years old at the start of the policy
  • Cosmetic damage that doesn't affect operation
  • Money
  • Musical instruments and bicycles
  • Accidental loss (unless added as an optional extra)
  • Any gadget or mobile where you cannot provide proof of purchase

Possession insurance: Your frequently asked questions

If you’re not sure about whether you need possessions insurance, read some of our helpful FAQs below.

What is possessions insurance?

Possessions insurance is cover for your personal belongings while you’re living in shared accommodation against fire, theft and flood. We can also provide:

  • New for old cover (for example, we'll replace your stolen TV with a brand new model)
  • 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
  • Frozen food up to £300
  • Replacement locks up to £250
  • Up to 60 days cover if you leave belongings behind in your student room during holidays
  • Optional accidental damage cover
  • Optional cover for accidental damage to landlord’s fixtures and fittings
What is the ‘replacement cost’ for my belongings with an Everywhere Student Pack?

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:

  • £1,000 pack = Cover for items that cost less than than £500
  • £1,500 pack = Cover for items that cost less than than £750
  • £2,500 pack = Cover for items that cost less than than £1,250

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.

What items are covered with possessions insurance?

Our possessions cover protects personal items while you’re living in shared accommodation, such as:

  • Clothes
  • Books
  • Jewellery
  • Furniture (such as rugs and sofas)
  • Pictures
  • Electrical items (such as lamps and televisions)

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.

Do I need possessions insurance at university

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. 

Get a quote for student possessions insurance.

Can I protect my gadgets under my possessions policy?

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:

  • Mobile phones
  • Laptops
  • Tablets
  • Smart watches
  • MP3 devices and more.

Get a quote for gadget cover.

*If loss cover is selected. 

What about bikes and musical instruments?

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.

Get a quote for musical instrument insurance

Get a quote for bicycle insurance.

Interested in possessions insurance? You might also like...

Mobile phone insurance

Need to insure multiple gadgets? Protect your gadgets against theft, accidental and liquid damage, with up to 15% multi gadget discount!

Laptop insurance

Whether it's for business, coursework or gaming, protect your laptop against theft, accidental and liquid damage, including cracked screens.

Tablet insurance

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).

Student gadget insurance

Taking your gadgets to uni? Protect your gadgets against accidental and liquid damage, anywhere in the UK and up to 90 days worldwide.

Bicycle insurance

Protect your bike and it’s accessories against theft and accidental damage, anywhere in the UK and up to 90 days worldwide.

Musical instrument insurance

Instrument protection anywhere in the UK against accidental damage and loss, with cover for up to £150 to hire a replacement instrument.

How easy is it to make a claim?

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.