TENANT POSSESSIONS INSURANCE
Contents and possessions insurance for graduates and professionals living in private rented accommodation within the United Kingdom.
TENANTS POSSESSIONS INSURANCE - COVER EXPLAINED
We offer two types of cover. Basic Cover: provides you with essential protection plus a range of optional extensions that can be selected to suit your specific insurance requirements. Comprehensive Cover: includes all the benefits of Basic cover plus a range of additional inclusive cover items.
COVER DESCRIPTION | SUM INSURED | BASIC COVER | COMPREHENSIVE COVER |
| PERSONAL POSSESSIONS WITHIN THE INSURED ADDRESS | £2,000-£8,000 | INCLUDED | INCLUDED |
| DESKTOP COMPUTER EQUIPMENT | Item Limits Apply | INCLUDED | INCLUDED |
| LAPTOP & PORTABLE COMPUTERS | ACCOMMODATION ONLY | Item Limits Apply | OPTIONAL | INCLUDED |
| CRIMINAL ASSAULT | £500 | OPTIONAL | INCLUDED |
| LEGAL EXPENSES | £30,000 | OPTIONAL | INCLUDED |
| ACCIDENTAL DAMAGE | Item Limits Apply | OPTIONAL | INCLUDED |
| PERSONAL ACCIDENT | £10,000 | EXCLUDED | INCLUDED |
| CREDIT/DEBIT CARDS | £500 | EXCLUDED | INCLUDED |
| PERSONAL MONEY | £50 | EXCLUDED | INCLUDED |
| LANDLORDS PROPERTY | TENANTS LIABILITY | £5,000 | INCLUDED | INCLUDED |
| LEGAL LIABILITY | £1,000,000 | EXCLUDED | INCLUDED |
| LAPTOP & PORTABLE COMPUTERS | ALL RISKS | £500 - £2,000 | OPTIONAL | OPTIONAL |
| ALL RISKS | SPECIFIED ITEMS | £0 - £1,000 | OPTIONAL | OPTIONAL |
| MOBILE PHONES | £200 | OPTIONAL | OPTIONAL |
| PEDAL CYCLES | £250 | OPTIONAL | OPTIONAL |
INSURED PERILS
Items are covered within the insured address on a "new for old" basis against loss or damage by fire, flood, storm, theft, escape of water and other similar causes. Except clothing, linen and rented household goods where a deduction is made for "wear and tear".
BASIC COVER: WHAT'S INCLUDED?
- Possessions within the insured address: Cover available from £2,000 to £8,000 in total.
- Desktop Computer Equipment: Cover included automatically. Item limits apply.
- Landlords Property | Tenants Liability: Up to £5,000 in total as standard.
BASIC COVER: OPTIONAL EXTENSIONS
A range of Optional Extensions are available to cover items such as Laptop & Portable Computers, Mobile Phones, Cycles, Accidental Damage, Criminal Assault, Legal Expenses and All Risks cover away from the insured address for specified items.
COMPREHENSIVE COVER: WHAT'S INCLUDED?
- Possessions within the insured address: Cover available from £2,000 to £8,000 in total.
- Desktop Computer Equipment: Cover included automatically. Item limits apply.
- Landlords Property | Tenants Liability: Up to £5,000 in total as standard.
- Laptop & Portable Computer Equipment: Cover is provided within the insured address as standard. Item limits apply.
- Accidental Damage: Cover for accidental damage within the insured address.
- Criminal Assault: Up to £500 cover for costs incurred to you as a direct result of a criminal assault.
- Legal Expenses: Up to £30,000 of cover.
- Personal Accident Cover: Up to £10,000 cover included automatically.
- Legal Liability Cover: Up to £1,000,000.
- Fraudulent use of Credit & Debit Cards: Up to £500 cover for fraudulent use of your credit & debit cards following theft from your accommodation.
- Personal Money Cover: up to £50 following theft from your accommodation.
COMPREHENSIVE COVER: OPTIONAL EXTENSIONS
Comprehensive Cover can be extended to include any of the following items.
- Laptop & Portable Computers | All Risks: Cover outside of the insured address for accidental damage or theft anywhere within the UK.
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