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Contents Cover
| Cover |
Amount |
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|
| Minimum sum insured |
£2,000 |
| Maximum sum insured |
£5,000 |
| Limit per individual item including high risk items |
£500 |
| Money |
£100 |
| Credit cards |
£500 |
| Accidental damage to TV, video and computer equipment |
£250 |
| Loss or damage to your landlord's, university's or college's property which you are responsible for |
£1,000 (£500 per item) |
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|
 Excess |
£50 |
Cover is provided for loss or damage caused by fire, storm, flood and theft (following forcible and violent entry to or exit from your accommodation). Cover for contents is provided on a replacement as new basis for items less than a year old (excludes clothes, household linen and pedal cycles where a deduction will be made for wear and tear).
Optional Cover Summary
| Cover provided |
Option 1
Cover away from your accommodation |
Option 2
Personal Computer Equipment Cover |
Option 3
Pedal Cycles Cover |
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|
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| Minimum Sum Insured |
£500 |
£500 |
|
| Maximum Sum Insured |
£2,000 |
£2,000 |
£500 |
| Money |
£100 |
|
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| Credit Cards |
£500 |
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| Worldwide Cover up to 60 days |
Up to sum insured |
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| Theft of belongings from a motor car |
£1,000 |
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| Single Article Limit |
£500 |
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| Excess |
£50 |
£50 |
£50 |
What isn't covered
- The first £50 of any claim you may need to make.
- Loss or damage to mobile phones outside your accommodation.
- Loss or damage to contents inside your accommodation, unless there are signs of forcible and violent entry or exit.
- Cover when your house is unoccupied for more than 30 consecutive days.
- Items are only covered if they are locked in a boot, concealed luggage compartment, or a closed glove compartment of a locked vehicle.
Please note that you should take all reasonable steps to prevent loss or damage to everything covered by this insurance and keep all property insured in good condition and in good repair. In the event of a claim we may want to see original documents, such as purchase receipts, guarantees and manuals confirming the amount of the claim and the make and model numbers of the items.
This is only a summary of cover. Full details of the terms, conditions, exclusions and making a claim are detailed in the policy document, which we will send to you. If you have any queries about the policy please call Direct Financial Service on 0800 277 377*.
For customers with hearing or speech impediments, Textphone is available on 0800 389 3500.
Review the policy summary as an Adobe Acrobat file now**. You can also review our Important Notes.
*Lines are open from 8am to 10pm Mon to Sat and 10am to 4pm on Sunday (except for Christmas Day, Boxing Day and New Year's Day). Calls may be monitored or recorded for quality purposes.
**Please note to read this file, you will need the Adobe Acrobat reader plug-in
for your browser, which can be downloaded from Adobe UK. If you are accessing the website using screen reading technology that cannot read PDFs, a converter is available at Access Adobe.
These files are only available in English.
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