Cover4Insurance - Tenants Possessions Insurance

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Room Contents

Please Note: This is a compulsory cover - please select a sum insured.

Policy Benefit

Sum Insured

Included
Personal Possessions Within The Insured Address (includes desktop computer equipment)

Please note: This is a compulsory cover – please select a sum insured; the minimum is £2,000.

Important: Cover in this section excludes Mobile Phones, Laptop & Portable Computers, Pedal Cycles, Musical Instruments & Photographic Equipment. Optional extensions are available for these items below.
Cover your possessions and desktop computer equipment at your insured address against loss or damage by fire, flood, storm, theft escape of water and other similar causes. In most cases we replace items on a new for old basis.

IMPORTANT: Item limits apply.
Item limits are determined by the possessions sum insured ie:

£2,000 sum insured = single item limit £500

£4,000 sum insured = single item limit £750

£6,000 sum insured = single item limit £1,000

£8,000 sum insured = single item limit £2,000

£10,000 sum insured = single item limit £2,500

£12,000 sum insured = single item limit £3,000

£14,000 sum insured = single item limit £3,500
Important: Cover in this section excludes Mobile Phones, Laptop & Portable Computers, Pedal Cycles, Musical Instruments & Photographic Equipment. Optional extensions are available for these items below.
Premium: £0.00
Cover your possessions and desktop computer equipment at your insured address against loss or damage by fire, flood, storm, theft escape of water and other similar causes. In most cases we replace items on a new for old basis.

IMPORTANT: Item limits apply.
Item limits are determined by the possessions sum insured ie:
- £2,000 sum insured = single item limit £500
- £4,000 sum insured = single item limit £750
- £6,000 sum insured = single item limit £1,000
- £8,000 sum insured = single item limit £2,000
- £10,000 sum insured = single item limit £2,500
- £12,000 sum insured = single item limit £3,000
- £14,000 sum insured = single item limit £3,500

Optional Extensions

Please note: There is no cover for the items listed below under the Personal Possessions section, so if you require cover for these items they must be selected below.

Policy Benefit

Sum Insured

Included
I-Pads, Laptops & Portable Computer Equipment | Cover Anywhere Within The United Kingdom (Plus Up To 60 Days Worldwide)
Covers your laptop, I-Pads & portable computers equipment for theft or accidental damage occurring anywhere within the United Kingdom.

Cover also includes:
Cover anywhere in the World for up to 60 days during the period of insurance.
Premium: £0.00
Covers your laptop, I-Pads & portable computers equipment for theft or accidental damage occurring anywhere within the United Kingdom.

Cover also includes:
- Cover anywhere in the World for up to 60 days during the period of insurance.
Mobile Phones | Cover Anywhere Within United Kingdom (Plus Up To 60 days Worldwide)

Please note: The mobile phone must have been purchased within the United Kingdom or your Home Country and been used with a UK SIM card.
This section covers your mobile phone up to £1,500 for:

Accidental damage,

Accidental loss,

Theft or

Malicious damage occurring anywhere within the United Kingdom.

Cover also includes:

Cover anywhere in the World for up to 60 days during the period of insurance.

Mechanical breakdown up to £500

Accessories up to £150

Unauthorised calls up to £250
Premium: £0.00
This section covers your mobile phone up to £1,500 for:
- Accidental damage,
- Accidental loss,
- Theft or
- Malicious damage occurring anywhere within the United Kingdom.
Cover also includes:
- Cover anywhere in the World for up to 60 days during the period of insurance.
- Mechanical breakdown up to £500
- Accessories up to £150
- Unauthorised calls up to £250
Accidental Damage
Covers your personal possessions and desktop computer equipment against accidental damage occurring within your insured address.
Please note: Cracking, scratching or breakage of pictures, china, glass or other fragile items is excluded from the cover.

IMPORTANT: Item limits apply.
Item limits are determined by the possessions sum insured ie:

£2,000 sum insured = single item limit £500

£4,000 sum insured = single item limit £750

£6,000 sum insured = single item limit £1,000

£8,000 sum insured = single item limit £2,000

£10,000 sum insured = single item limit £2,500

£12,000 sum insured = single item limit £3,000

£14,000 sum insured = single item limit £3,500
Sum Insured: Item Limits Apply

Include:
Premium: £0.00
Covers your personal possessions and desktop computer equipment against accidental damage occurring within your insured address.
Please note: Cracking, scratching or breakage of pictures, china, glass or other fragile items is excluded from the cover.

IMPORTANT: Item limits apply.
Item limits are determined by the possessions sum insured ie:
- £2,000 sum insured = single item limit £500
- £4,000 sum insured = single item limit £750
- £6,000 sum insured = single item limit £1,000
- £8,000 sum insured = single item limit £2,000
- £10,000 sum insured = single item limit £2,500
- £12,000 sum insured = single item limit £3,000
- £14,000 sum insured = single item limit £3,500
Accidental Damage To Landlords Property | Tenants Liability
This section provides cover up to £10,000 for amounts you become legally liable to pay as damages under a formal tenancy agreement, following accidental damage to your landlord’s:
Fixed glass, sanitary ware and ceramic hobs in fixed kitchen appliances

Drains, pipes, cables and underground tanks providing services to and from the insured address

Household goods, furniture and furnishings
Sum Insured:£10,000

Include:
Premium: £0.00
This section provides cover up to £10,000 for amounts you become legally liable to pay as damages under a formal tenancy agreement, following accidental damage to your landlord’s:
- Fixed glass, sanitary ware and ceramic hobs in fixed kitchen appliances
- Drains, pipes, cables and underground tanks providing services to and from the insured address
- Household goods, furniture and furnishings
Personal Accident & Criminal Assault

Personal Accident
This section provides a specified monetary benefit up to a maximum of £50,000 if you sustain injuries resulting from an accident within the United Kingdom which directly results in your death or disablement within 12 months of the accident.

Criminal Assault
Covers up to £500 for costs you incur as a direct result of a criminal assault on you.

Premium: £0.00

Personal Accident
This section provides a specified monetary benefit up to a maximum of £50,000 if you sustain injuries resulting from an accident within the United Kingdom which directly results in your death or disablement within 12 months of the accident.

Criminal Assault
Covers up to £500 for costs you incur as a direct result of a criminal assault on you.
Legal Expenses
Gives you up to £50,000 Legal Expenses Cover covering disputes in relation to:

Personal Injury

Consumer Disputes

Home Rights

Employment

Criminal Prosecution Defence
Sum Insured:£50,000

Include:
Premium: £0.00
Gives you up to £50,000 Legal Expenses Cover covering disputes in relation to:
- Personal Injury
- Consumer Disputes
- Home Rights
- Employment
- Criminal Prosecution Defence
- Education
Pedal Cycle | Cover Anywhere Within The United Kingdom (Plus Up To 60 Days Within Europe)
This section covers your pedal cycle for up to £3,000 for theft, accidental loss or accidental damage occurring anywhere within the United Kingdom.

Cover also includes:

Public Liability up to £1,000,000.

Pedal Cycle Accessories up to £250.

Cover in Europe for up to a maximum of 60 days during the period of insurance.

Replacement Bike Hire within the UK up to £420 (£70 per day)
Premium: £0.00
This section covers your pedal cycle for up to £3,000 for theft, accidental loss or accidental damage occurring anywhere within the United Kingdom.

Cover also includes:
- Public Liability up to £1,000,000.
- Pedal Cycle Accessories up to £250.
- Cover in Europe for up to a maximum of 60 days during the period of insurance.
- Replacement Bike Hire within the UK up to £420 (£70 per day)
Excess Protection Cover

This section provides cover up to an amount equal to the amount of the excess in relation to each section settled claim under each section of this policy, up to an annual limit of £1,000.

Cover will only operate when the excess under each section of this policy is exceeded following the successful claim payment.

Premium: £0.00

This section provides cover up to an amount equal to the amount of the excess in relation to each section settled claim under each section of this policy, up to an annual limit of £1,000.

Cover will only operate when the excess under each section of this policy is exceeded following the successful claim payment.
Photographic Equipment | Cover Anywhere Within The United Kingdom (Plus Up To 60 Days Worldwide)

Repair or replacement to the same or similar specification of your insured photographic equipment if your insured photographic equipment is subject to accidental damage.
The most we will pay for photographic equipment accessories is £150.

Premium: £0.00

Repair or replacement to the same or similar specification of your insured photographic equipment if your insured photographic equipment is subject to accidental damage.
The most we will pay for photographic equipment accessories is £150.

Total Premium

£0.00

Policy Fee

£5.00

In addition to the premium charged by Insurers we also apply a policy fee to cover our costs for arrangingyour policy.

Total Amount Payable

£5.00

Automatic Covers

Policy Benefit

Sum Insured

Included

Policy Benefit: Landlords Property | Tenants Liability

Sum Insured: £5,000

Covers the amount you become legally liable to pay as damages under a formal tenancy agreement, following loss or damage to your landlords household goods, furniture and furnishings within the insured address, following damage by fire, storm, flood , theft, escape of water and other similar causes.

It also provides cover for accidental damage to your landlords fixed glass, sanitary ware and ceramic hobs in fixed kitchen appliances, as well as accidental damage to drains, pipes, cables and underground tanks providing services to and from the insured address.

Policy Benefit: Liability for Rented Household Goods

Sum Insured: Item Limits Apply

For amounts that you become legal liable to pay following loss or damage cause by fire, flood, storm, theft, escape of water and other similar causes to household goods (other than telephones) rented under the terms of a formal rental agreement while in the insured address.

IMPORTANT: Item limits apply.
Item limits are determined by the possessions sum insured ie:

£2,000 sum insured = single item limit £500
£4,000 sum insured = single item limit £750
£6,000 sum insured = single item limit £1,000
£8,000 sum insured = single item limit £2,000
£10,000 sum insured = single item limit £2,500
£12,000 sum insured = single item limit £3,000
£14,000 sum insured = single item limit £3,500

Policy Benefit: Replacement Locks and Keys

Sum Insured: £500

Covers the cost of replacing keys and locks to an external door at the insured address following damage resulting from theft.

Policy Benefit: Credit Cards

Sum Insured: £500

Loss resulting from a credit card being stolen from the insured address following forcible and violent entry and then used fraudulently.

Policy Benefit: Personal Money

Sum Insured: £50

Theft of money from the insured address following forcible and violent entry.

Policy Benefit: Legal Liability

Sum Insured: £1,000,000

For amounts you become legally liable to pay in respect of accidental bodily injury and damage to property.

Policy Benefit: Personal Accident

Sum Insured: £10,000

This section provides a specified monetary benefit up to a maximum of £10,000 if you sustain injuries resulting from an accident within the United Kingdom which directly results in your death or disablement within 12 months of the accident.

Your Address

Room Contents

Personal Possessions Within The Insured Address (includes desktop computer equipment)

Optional Extensions

I-Pads, Laptops & Portable Computer Equipment | Cover Anywhere Within The United Kingdom (Plus Up To 60 Days Worldwide)

Mobile Phones | Cover Anywhere Within United Kingdom (Plus Up To 60 days Worldwide)

Accidental Damage

Accidental Damage To Landlords Property | Tenants Liability

Personal Accident & Criminal Assault

Legal Expenses

Pedal Cycle | Cover Anywhere Within The United Kingdom (Plus Up To 60 Days Within Europe)

Excess Protection Cover

Photographic Equipment | Cover Anywhere Within The United Kingdom (Plus Up To 60 Days Worldwide)

Automatic Covers

Policy Documents

Policy Documents