Student Possessions Insurance Policy

Transcription

1 Student Possessions Insurance Policy Page Your Student Possessions Insurance Policy Endsleigh Student Possessions Insurance Policy Your Contents in the Term Time Address Additional Benefits Items taken outside Your Room Non Electrical Laptop, Gadget and Digital Download Cover Bike Cover Items left in Your Room during the holidays Accidental Damage r Contents in the Term Time Address Tuition Fees, Coursework and Rent applying to Tuition Fees, Coursework and Rent We aim to provide a high level of service and pay claims fairly and promptly under the terms of Your Student Possessions Insurance Policy. If You are unhappy with any aspect of service, please contact, in the first instance the person who originally dealt r enquiry. Alternatively You can contact Us by: Telephone: Post: Customer Liaison Department Endsleigh Insurance Services Limited Shurdington Road Cheltenham Gloucestershire GL UE. Full details of complaints procedures can be found on our website at Page Mobile Phone Cover 0 If You need to make a claim Mobile Phone Cover 0 applying to Mobile Phone Cover 0 Legal Cover applying to Legal Cover a claim for Legal Cover 0 Room Key Cover Musical Instruments Cover Sports Injury and Equipment Cover applicable to the whole Policy applicable to the whole Policy a claim 0 If You remain dissatisfied You have the right to ask the Financial Ombudsman to review Your case. The Ombudsman can be contacted at the following address: The Financial Ombudsman Service South Quay Plaza Marsh Wall London E SR Telephone Contacting the Ombudsman will not affect Your right to take legal action against Us. You are also given protection by our membership of the Financial Services Compensation Scheme under which You may be entitled to compensation in the very unlikely event that We are unable to meet obligations. Your Student Possessions Insurance Policy This is Your Student Possessions Insurance Policy. Your Cover You need to be aware that all contracts of insurance are subject to certain exclusions and conditions. It is therefore essential that You are fully aware of what is and what is not covered. To help You understand the Cover provided, We have laid out each section under the following headings: This text gives information on the Cover provided. This text draws Your attention to what is not covered. What is the most We will pay? This text indicates the maximum amount We will pay for the Cover described. The following key words or phrases, which are listed below in alphabetical order, have the same meaning whenever they appear and will always be shown with an initial capital letter so as to remind You of their importance. Assault An intentional or reckless act that causes immediate and unlawful violence r person by a previously unknown third party at an identifiable time and place. Average Clause detailed in the. Bicycle A wheeled device powered by human pedalling. College The university, university college, or College at which You are a full time Student. College Term The weeks of full College academic activity as published by Your College. Computer Accessories Microphones, speakers purchased independently from a PC package, removable drives, web cams, joysticks, joy pads or any other games hardware. s of Your Student Possessions Insurance Policy which apply The sections which apply are shown on Your Statement of Insurance. Your Statement of Insurance indicates the Sum Insured for Your Contents together with any special conditions which may apply. Please read Your Student Possessions Insurance Policy, Statement of Insurance and any Endorsements carefully to ensure that Your Cover meets Your requirements and that the details are correct. Your Student Possessions Insurance Policy, Statement of Insurance and any Endorsements are legal documents please keep them safely. Contents All goods, clothing and personal effects belonging or for which You are legally responsible under a written agreement making You responsible for insuring them other than keys, mobile phones, musical instruments, any Portable Computer Equipment, Bicycles and their accessories, contact lenses or dentures, any computer software or software manuals, any Photographic, video or Hi-Fi equipment which can be used in conjunction with a Portable Computer or any item specifically excluded by this policy, Vehicles and Craft. Course A recognised course of further education at a recognised College where You attend on a full time basis during the academic year occurring during the Period of Insurance and where completion is essential to achieve a recognised qualification. Cover Refers to those sections of Student Possessions Insurance Policy which are operative and any additional limitations, requirements or excesses that apply all of which are shown on Your Statement of Insurance. 0

2 Designated Student Residence Hall of residence or other accommodation for students managed by the Student Accommodation Provider within which the Term Time Address is situated. Emergency Dental Treatment Emergency treatment to natural teeth required as a direct result of Assault or Mugging and arising within seven days of the Incident Endorsement A change to the details which form part of Your Student Possessions Insurance Policy. Event Any one occurrence or series of occurrences arising out of or attributable to one source or original cause. Excess The first amount payable by You for any one incident under each section of Your Student Possessions Insurance Policy and which is deducted from Your claim settlement. Forcible and Violent Entry That which is evidenced by visible damage to the fabric of the building at the point of entry. Hi-fi Equipment Radios, tuners, cassette players, compact disc players, mini disc players, record decks, amplifiers, speakers, music centres, MP/MP players (but not the music downloaded and/or stored within them) and any audio equipment intended for portable use. Hospital Either a Hospital in the United Kingdom operated under the National Health Service or an independent Hospital in the United Kingdom with specialist facilities for medical or surgical treatment as defined by the Health Services, the Nursing Homes or any subsequent legislation. Immovable Object Any fixed object not capable of being removed unless by forcible means to which the bike is locked through the frame via a security device. Incapacitated Prevented from completing Your Course. Insured Cause The Event resulting in loss or damage to property, listed under Cover For Your Contents. Money The following items all belonging :- Coins or bank notes in current circulation Cheques, travellers cheques, bankers drafts, postal or money orders Gift vouchers, current postage stamps not forming part of a collection Saving certificates, premium bonds or saving stamps Telephone cards, current travel or other tickets with a fixed monetary value Mugging Robbery or attempted robbery with violence from Your person. Period of Insurance The period starting and ending on those dates shown on Your Statement of Insurance. Permanent Home Address The home of Your parent or legal guardian in the United Kingdom. Permanent Total Disablement Disablement which will entirely prevent You from engaging in any occupation of any and every type and description for the remainder of Your life without hope of recovery. Photographic Equipment :- Cameras, camcorders and video recording equipment, Binoculars and telescopes Developing, editing and associated visual equipment Accessories associated with any of the above Portable Computer Equipment Any computer equipment which is or can be battery powered, including laptops, palmtops, portable printers, Personal Digital Assistants (PDAs) and items of a similar nature. Replacement Value The cost of replacing items with new ones, except clothing and household linen, rented goods and College property on loan where a deduction will be made for wear and tear. Resident Staying overnight in the Term Time Address. (continued) Residential Fees Payment made periodically by or on behalf of the Student to the Student Accommodation Provider or landlord in respect of accommodation costs at the Term Time Address. Single Article Limit The limit which applies to any individual item or stated group of items insured by Your Student Possessions Insurance Policy. Statement of Insurance The document giving details of the Premium, the Term Time Address, the Cover, the Period of Insurance, the Insurer and the policy number. Student Any person following a Course at a College. Student Accommodation Provider The university, university college, College, company or private individual that manages the letting, maintenance and security of the Designated Student Residence. Student Possessions Insurance Policy This comprises Your Student Possessions Insurance Policy wording, Statement of Insurance and any Endorsements. Sum Insured The maximum amount payable for each cover section or item insured specified in the Student Possessions Policy wording or Statement of Insurance. Term Time Address The room or rooms occupied by You during the College Term. This address is shown on Your Statement of Insurance. Tuition Fees The part of the current years tuition fees for the course on which You have enrolled which are not refundable in the event of Your withdrawing from the course. Unattended Out of Your sight. United Kingdom/UK England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands. Unoccupied Where neither You nor a fellow tenant are Resident in the Term Time Address. Utility Areas Utility room, shower room, bathroom, kitchen or toilet area in the Designated Student Residence or House shown on the Statement of Insurance. Vacation Those periods between the end and beginning of the College Term. Valuables Any article of gold, silver or other precious metal, jewellery, pearls or gemstones Watches or clocks Furs or leather garments Musical instruments Works of art, pictures or curios Collections of stamps, coins, bank notes or medals Vehicles and Craft Any electrically or mechanically powered vehicles, caravans, trailers, watercraft including surfboards, hovercraft, aircraft, all-terrain vehicles or quad bikes and including their accessories, tools and in-car audio equipment (but not domestic gardening equipment, battery operated golf trolleys or wheelchairs, battery or pedestrian operated models or toys). We/Us/ The Insurer shown on Your Statement of Insurance or Endsleigh Insurance Services Limited acting on their behalf. You/Your The Student named as the Policyholder on the Statement of Insurance. See the Mobile Phone on Page 0 for supplementary definitions which apply to that. See the Legal Cover on Page for supplementary definitions which apply to that. See the Sports Injury and Equipment Cover on Page for supplementary definitions which apply to that. Endsleigh Student Possessions Insurance Policy This is Your Endsleigh Student Possessions Insurance Policy. It is the contract You have made with Us. We cover You during the Period of Insurance in accordance with the terms set out in Your Student Possessions Insurance Policy in return for payment of the premium. Your Student Possessions Insurance Policy wording, Statement of Insurance and any Endorsements are all part of Your policy and should be read together to avoid misunderstanding. They show which sections of Your policy are in force and contain details of the cover. All the documents should be read carefully, paying particular attention to the and which apply to the whole policy. Your Student Possessions Insurance Policy sets out all the circumstances in which You can make a claim. It is not a maintenance contract and does not protect against every loss. Please make sure Your Endsleigh Student Possessions Insurance Policy meets Your requirements. If it does not, please tell Us immediately. No promotional material or advice booklets form part of the policy. Signed on behalf of the Ian Passmore Managing Director Endsleigh Insurance Services Limited Law Applicable r Student Possessions Insurance Policy The parties to a contract of insurance covering a risk situated in the United Kingdom are permitted to choose the Law applicable to the contract. This policy is governed by English Law. English law will also apply prior to the conclusion of Your contract of insurance. Your contract of insurance and all communications before and during Your contract of insurance will be provided in the English language. 0

3 Your Contents in the Term Time Address Your Statement of Insurance will show whether You have cover under this section and the Sum Insured applicable We will pay for loss of or damage r Contents in the Term Time Address as a direct result of the following Insured Causes:- Theft or attempted theft Fire, lightning, explosion, thunderbolt or earthquake Smoke Subsidence or heave of the site on which the Term Time Address stands or landslip or landslide We will not pay the first of each and every claim. We will not pay for any theft:- a) if caused by deception b) from a parked motor vehicle, except as described in Additional Benefits e - Transit at the Beginning and End of a College Term c) when the Term Time Address is without occupant for any period of time and any ground floor accessible door or window to the Term Time Address has been left open or unlocked. We would draw Your attention to point Reasonable Care which is to be found on page of this Student Possessions Insurance Policy. We will not pay for:- a) damage caused by bedding down of new structures or settlement of newly made up ground b) damage resulting from demolition or structural repairs or alterations to the Term Time Address Storm or flood Damage caused by either water or oil leaking from any fixed appliance, pipe or tank Riot, civil commotion, strike, labour and political disturbances Damage caused by aircraft, animals or vehicles hitting the buildings in which the Term Time Address is situated We will not pay for damage:- a) occurring when the Term Time Address is not visited by You or a fellow tenant for 0 consecutive days b) to the appliance, pipe or tank from which the leakage has occurred We will not pay for damage caused by domestic pets for which You are responsible. Damage caused by trees or branches, lamp posts or telegraph poles falling on the buildings in which the Term Time Address is situated 0 Malicious damage In addition to cover for Your Contents in the Term Time Address, We will provide cover in the following circumstances:- a) Contents temporarily away from the Term Time Address We will cover Your Contents for loss or damage by any of the Insured Causes whilst:- at Your Permanent Home Address at any occupied private dwelling at any building where You are temporarily residing b) Vacation cover in the Term Time Address when it is Unoccupied We will pay for loss of or damage r Contents whilst left in Your Term Time Address during Vacation:- when Unoccupied for a period of no more than consecutive days immediately prior to a loss being discovered when Unoccupied for up to the duration of the Vacation if the Term Time Address is in a Designated Student Residence c) Storage in designated college secure storage area during Vacation We will pay for loss of or damage r Contents by an Insured Cause whilst removed from Your Term Time Address to secure storage designated by the Student Accommodation Provider during Vacation d) Designated Halls of Residence Utility Areas We will pay for loss of or damage r Contents by an Insured Cause whilst removed from the Term Time Address to a Utility Area or any other locked storage on campus Additional Benefits 0 We will not pay for malicious damage:- a) unless the incident is reported to the police b) occurring after the Term Time Address has been left Unoccupied for more than 0 days c) caused by You or any other person living at the Term Time Address We will not pay the first of each and every claim covered under Contents Additional Benefits. We will not pay for:- a) any amount in excess of 00 unless in Your Permanent Home Address b) any loss as a result of theft unless following Forcible and Violent Entry, except in Your Permanent Home Address c) any loss or damage outside the United Kingdom We will not pay for loss of or damage to the Your Contents during Vacation when Your Term Time Address is Unoccupied:- a) unless locked inside the Term Time Address by key and only You have access b) if Your Term Time Address is not in a Designated Student Residence and it is left Unoccupied for a period of more than days prior to a loss being discovered We will not pay:- a) any amount in excess of,000 b) any amount in excess of 00 for theft, unless following Forcible and Violent Entry to the Utility Area or locked storage 0

4 Additional Benefits (continued) e) Transit at the Beginning and End of a College Term We will pay for loss of or damage r Contents by an Insured Cause whilst in direct and undiverted transit for the sole purpose of moving between Your Term Time Address and Your Permanent Home Address at the beginning and end of each College Term f) Money We will pay for loss of Money by an Insured Cause in the Term Time Address g) Credit Cards We will pay for Your legal liability following loss and subsequent unauthorised use of Your credit, cheque or bank card issued in the United Kingdom h) Liability for Rented Household Goods We will pay for sums which You become legally liable to pay following loss or damage by an Insured Cause to household goods (other than telephones) rented under the terms of a formal rental agreement while in Your Term Time Address i) Tenants Liability We will pay for sums which You become legally liable to pay following damage to landlords fixtures and fittings in Your custody or control and for which You are legally responsible under the terms of a formal tenancy agreement resulting from any Insured Cause j) Liability for College Library Books and College Property on Loan We will pay for sums which You become legally liable to pay following loss of or damage to College library books or College property on loan by an Insured Cause whilst:- in Your Term Time Address in Your Permanent Home Address in the College in direct transit between Your Term Time Address and Permanent Home Address at the beginning and end of each College Term k) Liability for Public Service Equipment We will pay for sums which You become legally liable to pay following damage by an Insured Cause to:- gas, electricity or water meters non-portable telephone equipment owned by and rented from the service provider in the Term Time Address We will not pay for:- a) theft of Your Contents from a motor vehicle whilst left Unattended, except whilst parked temporarily and not overnight to allow for a short break during the course of the journey between Your Term Time Address and Your Permanent Home Address at the beginning or end of the College Term whilst parked overnight between the hours of midnight and.00am where the Contents are not stored in a locked boot or locked glove compartment or concealed from sight in the locked luggage section of the vehicle b) theft whilst left Unattended at any time in a place which has public access c) any amount in excess of 00 for any single carrying device and its Contents d) any loss occurring outside the United Kingdom We will not pay for:- a) any amount in excess of 0 b) any loss by theft unless following Forcible and Violent Entry to the term time address We will not pay for:- a) any liability in excess of 00 during the Period of Insurance b) any liability arising from the loss of the card unless reported immediately to the issuing authority and subject to all the terms and conditions attaching to the card having been complied with c) the unauthorised use of a card arising after the issuing authority has been notified of the loss d) any liability resulting from the loss or subsequent misuse of the card outside the United Kingdom We will not pay for:- a) any amount in excess of 000 for any single item b) any loss unless You are named as the party responsible for the rented goods on the rental agreement with the company concerned c) any claim in excess of that stated on a written down valuation acceptable to Us and supplied from the central accounts office of the rental company concerned d) any liability assumed by You for any part of a third party s contractual liability whether based upon contribution towards rent or otherwise e) any claim for rented household goods unless the Sum Insured under Cover for Your Contents is sufficient to include the full extent of liability to any rental company for all rented household goods f) accidental damage to landlords goods We will not pay for:- a) any amount in excess of 000 in any period of Insurance b) accidental damage to landlords goods We will not pay for:- a) any amount in excess of 00 for College library books b) any amount in excess of 00 for College property on loan c) any claim which is not supported by a bill from the College d) any loss or damage occurring outside the United Kingdom e) any property unless it is in Your immediate custody and control We will not pay for:- a) any amount in excess of 0 b) any loss or damage resulting from theft or caused by criminal persons unless following Forcible and Violent Entry c) Money in meters or telephones d) liability for mobile phones, their accessories or related costs 0

5 Additional Benefits (continued) l) Personal Liability We will pay for sums which You become legally liable to pay, including costs and expenses incurred with consent, in defence of a claim for damages as a result of:- accidental death or bodily injury to any person not being a member of Your family or Your household or residing damage to property not belonging or in the charge or control of You or a member of Your family happening in the United Kingdom during the Period of Insurance We will also pay legal costs and expenses recoverable by any claimant and all costs and expenses agreed by Us in writing. If You die, Your legal personal representatives will have the protection of this cover for liability incurred by You. m) Accidental Death of a Supporting Parent We will pay You,000 following accidental death of a parent or guardian on whom You are financially dependent to complete Your Course, such death to arise solely from bodily injury by external violent and visible means during the Period of Insurance. n) Assault and Mugging cover Part A If You are injured solely and directly as a result of a physical and criminal Assault or Mugging occurring anywhere within the United Kingdom, We will pay the following amounts if within 0 days of the Incident the injury results in:- Death,000 Permanent Total Disablement,000 Hospital daily cash benefit for each day of confinement up to a maximum of days, but excluding the first nights stay 0 per day Emergency Dental Treatment 0 Damage r Clothing and/or spectacles 0 Stress counselling arising from an Assault or Mugging which results in either Permanent Total Disablement or confinement in Hospital for a period in excess of days 0 Part B Subject r claim being covered by Part A:- We will also pay up to,000 towards additional costs reasonably incurred by You in undertaking a further year of study if You were prevented from taking examinations as a result of an Assault or Mugging We will reimburse rent up to a maximum of 00 which has been paid in advance and which is not otherwise recoverable elsewhere, if following an Assault or Mugging Your course has to be terminated early. We will not pay for:- a) any amount in excess of,000,000 in respect of any number of claims arising out of one Event b) any liability in respect of:- accidental death or bodily injury or any member of Your family or any person who lives with or is employed by You damage to property owned by You or in the care or control of You or any member of Your family or any person who lives with or is employed by You any trade, profession, business or employment any contract which You have entered into unless legal liability would have attached anyway the ownership, possession or operation of Vehicles and Craft any power operated lift firearms, except shotguns or air guns used for sporting activity the ownership or possession of horses while being used for hunting, racing or polo pets which are not normally domesticated in the UK a dog of a type specified under of the Dangerous Dogs or specified in the Dogs (Muzzling) Regulations (Northern Ireland ) animals other than horses or domestic pets the ownership, occupation, possession or use of any land or building any occurrence caused by, or arising out of, or contributed to by, any tenancy, business, profession or occupation the transmission of any communicable disease arising directly or indirectly by You or any person living any wilful or malicious act by You racing of any kind other than on foot a) You will have to pay the first in respect of each claim for:- Emergency Dental Treatment; or damage to clothing and/or spectacles b) We will not pay the Assault and Mugging benefit for injury or death:- if caused by deliberate self-inflicted injury, suicide or attempted suicide if caused by deliberate exposure to exceptional danger (except in an attempt to save human life) if caused by provoked Assault, fighting (except in bona fide self defence) or a criminal act committed by You in any country outside the United Kingdom c) We will not pay for more than one session of stress counselling per claim applicable to Assault and Mugging. You must take all reasonable steps to limit the likelihood of sustaining physical injury as a result of an Assault or Mugging.. If an injury occurs You must as early as reasonably possible place yourself under the care of a duly qualified medical practitioner.. You or Your representatives must ensure that all medical records, notes and correspondence referring to the subject of a claim or a related pre-existing condition will be made available on request to any medical advisor appointed by or on behalf of Us and that such medical advisor will for the purpose of reviewing the claim, be allowed as often as may be deemed necessary to make examination of You. You must undergo any medical examination We request.. The police must be notified within hours of an incident of Assault or Mugging. If You need to make a claim Your Contents in the Term Time Address We will decide whether to repair or replace the damaged/lost property, alternatively We may wish to pay in cash. Any cash payment will reflect view of the replacement cost for the loss or damage. If the same specification or model is unavailable, a new one of similar specification will be provided. We will not under any circumstances replace the lost or damaged property with a model of a different type or of a higher specification, even if You are prepared to contribute to the additional cost. What is the most We will pay? a) We will not pay more than the total Sum Insured stated on the Statement of Insurance and this must be adequate to cover the full cost of replacing all items as new other than clothing, household linen and rented household goods and College property on loan. b) We will deduct an amount for wear, tear and depreciation in respect of clothing and household linen, rented household goods and College property on loan. 0

6 If You need to make a claim Your Contents in the Term Time Address (continued) If the damage can be repaired, but repair or reinstatement is not carried out We will pay the reduction in value of the item resulting from damage, but not exceeding the estimated cost of repair. We will automatically reinstate the Sum Insured for Contents covered under this section from the date of payment of any claim, unless We have given You written notice to the contrary before payment. What is the most We will pay? c) We will not pay more than the value stated under 'What is not covered' in Additional Benefits a-n. d) We will not pay more than,000 for each of the following:- Hi-fi Equipment Photographic Equipment e) We will not pay more than 00 for each of the following groups of items:- Valuables CDs, DVDs, video and audio cassettes, mini discs, records, cartridges, CD ROMs, DVD ROMS, and computer games f) We will not pay more than:- 0 for any single article of clothing. 0 for Computer Accessories Items taken outside Your Room Non Electrical Your Statement of Insurance will show whether You have cover under this section and the Sum Insured applicable We will pay for loss of or damage to Contents belonging or for which You are legally liable as a direct result of the Insured Causes shown under Your Contents in the Term Time Address (not Additional Benefits) or accidental damage or loss whilst in or away from the Term Time Address occurring in the United Kingdom and for up to 0 days anywhere in the world. We will not pay:- a) the first 0 of each and every claim b) for any property not belonging or for which You are not legally liable c) theft from a parked motor vehicle, except as described in - Cover for Your Contents - Additional Benefits e Transit at the Beginning and End of a College Term d) loss of or damage r Contents if left Unattended at any time in a place which has public access e) for any of the following: Loss of or damage to sports equipment or sports clothing whilst in the course of play or use Breakage of skins and strings or scratching, bruising or denting of musical instruments Breakage of glass (other than lenses) or article of a brittle nature (other than jewellery), scratching or denting Damage to guns by internal explosion Money Loss or damage to any item not defined as Contents f) any claim for jewellery valued at 00 or more unless a receipt or valuation can be provided for that item (see. Evidence of Value page 0) g) Bicycles and their accessories h) contact lenses or dentures i) mobile phones j) Vehicles and Craft k) Laptops and Portable Electrical Items If You need to make a claim Items taken outside Your Room Non Electrical We will decide whether to repair or replace the damaged/lost property, alternatively We may wish to pay in cash. Any cash payment will reflect our view of the replacement cost for the loss or damage. If the same specification or model is unavailable, a new one of similar specification will be provided. We will not under any circumstances replace the lost or damaged property with a model of a different type or of a higher specification, even if You are prepared to contribute to the additional cost. If the damage can be repaired, but repair or reinstatement is not carried out We will pay the reduction in value of the item resulting from damage, but not exceeding the estimated cost of repair. The Sum Insured under this section will be reduced by the amount of any claim payment made under Items taken outside Your Room Non Electrical. If You wish Us to reinstate the Sum Insured on a replacement item You may do so by advising Us and paying any required additional premium. If You do not then any replacement item(s) will not be covered. What is the most We will pay? a) We will not pay more than the total Sum Insured for Accidental Loss of or Damage to non electrical items taken outside Your room or replacement cost for the loss or damage, whichever is the lower amount. b) We will deduct an amount for wear, tear and depreciation in respect of clothing and household linen, rented household goods and College property on loan. c) We will not pay more than,000 for any single article. 0

7 Laptop, Gadget and Digital Download Cover Your Statement of Insurance will show whether You have cover under this section and the Sum Insured applicable We will pay for loss of or damage to Laptops and Portable Electrical Items belonging as a direct result of the Insured Causes shown under Your Contents in the Term Time Address (not Additional Benefits) or accidental damage or loss whilst in or away from the Term Time Address occurring in the United Kingdom and for up to 0 days anywhere in the world. We will also pay for the cost of replacing digitally downloaded pictures, movies, ring tones, real tones and music that You have already paid for the following:- loss of desktop, laptop, MP/MP player, PDA or Smart Phone hard drive failure accidental erasure an Insured Cause Occurring within the Period of Insurance. If You need to make a claim Laptop, Gadget and Digital Download Cover We will decide whether to repair or replace the damaged/lost property, alternatively We may wish to pay in cash. Any cash payment will reflect our view of the replacement cost for the loss or damage. If the same specification or model is unavailable, a new one of similar specification will be provided. We will not under any circumstances replace the lost or damaged property with a model of a different type or of a higher specification, even if You are prepared to contribute to the additional cost. If the damage can be repaired, but repair or reinstatement is not carried out We will pay the reduction in value of the item resulting from damage, but not exceeding the estimated cost of repair. The Sum Insured under this section will be reduced by the amount of any claim payment made under Laptop and Gadget Cover. If You wish Us to reinstate the Sum Insured on a replacement item You may do so by advising Us and paying any required additional premium. If You do not then any replacement item(s) will not be covered. What is the most We will pay? We will not pay:- a) more than the total Sum Insured for Laptops and Portable Electrical Items taken outside the Term Time Address stated on Your Statement of Insurance or replacement cost for the loss or damage, whichever is the lower amount. b) more than,000 for any single article. c) more than,000 during the Period of Insurance for Digital Downloads d) the first of any claim for Digital Downloads e) any amounts recoverable from elsewhere Bike Cover Your Statement of Insurance will show whether You have cover under this section We will pay for theft of or damage r Bicycle and fixed Bicycle accessories up to the amount shown in Your Statement of Insurance. We will not pay:- a) the first 0 of each and every claim for any single item valued up to 00 b) the first 00 of each and every claim for any single item valued over 00 c) for any Laptop or Portable Electrical Item not belonging d) theft from any private motor vehicle e) loss of or damage to the Laptop or Portable Electrical Item if left Unattended at any time in a place which has public access f) for any costs following rebuilding of software data g) for compact disc programmes h) for fax machines i) for any software or software manuals j) any claim unless evidence that You own the Laptop or Portable Electrical Item can be provided k) theft of Laptop or Portable Electrical Items from anywhere other than the Term Time Address or Permanent Home Address unless following forcible and/or violent entry or exit l) mobile phones m) for any claim arising directly or indirectly by any cause not included under n) any claim unless full details are provided in the form of supporting information, such as a receipt or other proof of purchase, together with confirmation that the digitally downloaded material cannot be recovered without cost to the Policyholder. We will not pay for:- a) loss or damage caused by mechanical or electrical fault or breakdown, wear and tear, deterioration, scratching, denting or any repair or restoration work b) any Bicycle used professionally or for any trade purposes, except commuting c) Bicycles on loan d) loss or damage caused when Your Bicycle is left Unattended and not inside a locked building unless the Bicycle is secured to an Immovable Object via a security device through the frame of the Bicycle e) loss or damage caused if Your Bicycle is left outside of a locked building for a period of hours or more unless stored in a designated cycle storage on campus for not more than 0 days f) Bicycle accessories or Bicycle parts unless included in the sum insured of Your Bicycle and the Bicycle is damaged or stolen at the same time. g) any loss or damage caused to the Bicycle whilst it is being used for racing and competitions except road based trials. h) any loss or damage to the Bicycle in transit unless (i) it is transported by a recognised transport firm and a receipt obtained for the journey, or (ii) it is transported on public transport where You accompany it on the same journey i) the first of each and every claim If You need to make a claim Bike Cover We will decide whether to repair or replace the damaged/lost property, alternatively We may wish to pay in cash. Any cash payment will reflect our view of the replacement cost for the loss or damage. If Your Bicycle is stolen and not recovered or damaged beyond economical repair We will replace Your Bicycle if It is less than years old. If Your Bicycle is over years old We will settle Your claim In cash less a deduction for depreciation. What is the most We will pay? a) We will never pay more than 00 for any Bicycle 0

8 If You need to make a claim Bike Cover (continued) If the same specification or model of Bicycle is unavailable a new model of a similar specification will be provided. The Sum Insured under this section will be reduced by the amount of any claim payment made under Bike Cover. If You wish Us to reinstate the Sum Insured on a replacement Bicycle You may do so by advising Us and paying any required additional premium. If You do not then any replacement item(s) will not be covered. Items left in Your Room during the holidays Your Statement of Insurance will show whether You have cover under this section We will pay for loss of or damage r Contents in the Term Time Address whilst Unoccupied during Vacations for a maximum of consecutive days. Cover applies for Contents described under Your Contents in the Term Time Address and, if applicable, Laptop and Gadget Cover subject to the additional exclusions shown in this. We will not pay:- a) the first of each and every claim except for Laptops and Portable Electrical Items where the excess is increased to 0. b) more than,000 in total during the Period of Insurance unless You live in a Designated Student Residence where cover applies up to the Sum Insured stated on Your Statement of Insurance. If You need to make a claim Items left in Your Room during the holidays We will decide whether to repair or replace the damaged/lost property, alternatively We may wish to pay in cash. Any cash payment will reflect our view of the replacement cost for the loss or damage. If the same specification or model is unavailable, a new one of similar specification will be provided. We will not under any circumstances replace the lost or damaged property with a model of a different type or of a higher specification, even if You are prepared to contribute to the additional cost. If the damage can be repaired, but repair or reinstatement is not carried out We will pay the reduction in value of the item resulting from damage, but not exceeding the estimated cost of repair. We will automatically reinstate the Sum Insured for Contents covered under this section from the date of payment of any claim, unless We have given You written notice to the contrary before payment. The Sum Insured under this section will be reduced by any claim payment for Laptops and Portable Electrical Items covered under this. If You wish Us to reinstate the Sum Insured on a replacement item You may do so by advising Us and paying any required additional premium. If You do not then any replacement item(s) will not be covered. What is the most We will pay? a) We will deduct an amount for wear, tear and depreciation in respect of clothing and household linen, rented household goods and College property on loan. b) We will not pay more than the value stated under Cover for Your Contents '' in Additional Benefits a-n. c) We will not pay more than,000 for any single item. d) We will not pay more than,000 for each of the following:- Hi-fi Equipment Photographic Equipment e) We will not pay more than 00 for each of the following groups of items:- Valuables CDs, DVDs, video and audio cassettes, mini discs, records, cartridges, CD ROMs, DVD ROMS, and computer games f) We will not pay more than:- 0 for any single article of clothing. 0 for Computer Accessories Accidental Damage r Contents in the Term Time Address Your Statement of Insurance will show whether You have cover under this section and the Sum Insured applicable Accidental Damage We will pay for accidental damage to Contents belonging or for which You are legally liable whilst in the Term Time Address during College Term and during College Vacation when the Term Time Address is occupied by You. We will not pay:- a) the first of each and every claim. b) for any property not belonging or for which You are not legally liable c) for any of the following: Breakage of skins and strings or scratching, bruising or denting of musical instruments Breakage of glass (other than lenses) or article of a brittle nature (other than jewellery), scratching or denting Damage to guns by internal explosion Loss or damage to any item not defined as Contents accidental damage to Landlords goods Damage to portable DVD players, portable CD and mini disc players, MP/MP players, DVDs, CDs and mini discs If You need to make a claim Accidental Damage r Contents in the Term Time Address We will decide whether to repair or replace the damaged/lost property, alternatively We may wish to pay in cash. Any cash payment will reflect our view of the replacement cost for the loss or damage. If the same specification or model is unavailable, a new one of similar specification will be provided. We will not under any circumstances replace the lost or damaged property with a model of a different type or of a higher specification, even if You are prepared to contribute to the additional cost. What is the most We will pay? a) We will not pay more than the total Sum Insured for Accidental Damage r Contents in Your Term Time Address stated on Your Statement of Insurance. b) We will deduct an amount for wear, tear and depreciation in respect of clothing and household linen rented goods and College property on loan. 0

9 If You need to make a claim Accidental Damage r Contents in the Term Time Address (continued) If the damage can be repaired, but repair or reinstatement is not carried out We will pay the reduction in value of the item resulting from damage, but not exceeding the estimated cost of repair. We will automatically reinstate the Sum Insured for Contents covered under this section from the date of payment of any claim, unless We have given You written notice to the contrary before payment. What is the most We will pay? c) We will not pay more than,000 for any single item. d) We will not pay more than,000 for each of the following:- Hi-fi Equipment (excluding CD players, mini disc players and MP/MP players) Photographic Equipment e) We will not pay more than 00 for each of the following groups of items:- Valuables Video and audio cassettes, records, cartridges, CD ROMs, DVD ROMS, and computer games f) We will not pay more than:- 0 for any single article of clothing 0 for Computer Accessories Tuition Fees, Rent and Coursework Cover Tuition Fees and Rent Your Statement of Insurance will show whether You have cover under this section and the Sum Insured applicable We will pay for any Tuition and/or Residential Fees that the Student has already paid or is legally liable to pay the College for tuition and/or the Term Time Address accommodation provider in respect of rent in the Period of Insurance following enforced cancellation or early withdrawal of the Student from their Course in the event of:- death of the Student the Student becoming incapacitated due to an accident or illness accident, illness or redundancy of a financially supporting parent or legal guardian of the Student We will not pay:- a) more than the sum insured selected for course fees applicable to the Period of Insurance b) for any Tuition and/or Residential Fees incurred during a previous Period of Insurance. c) for any claim arising directly or indirectly by any cause not included under d) any claim unless full details are provided in writing together with supporting information, written confirmation from a qualified medical practitioner in the UK that withdrawal from the course by the Student is necessary on medical grounds, or any receipts or proofs that We may reasonably require at the expense of the Student. e) the first 0 of any claim f) any amounts recoverable from elsewhere g) for any claim arising out of any pre-existing condition, pregnancy or childbirth, suicide or attempted suicide, participating in dangerous sports (other than as part of the normal academic sports curriculum), use of illegal drugs, abuse of prescription drugs or alcoholism h) for any claim for Residential Fees unless a suitable tenancy agreement is provided evidencing Your legal liability for payment of Residential Fees. i) redundancy cover for a financially supporting parent or legal guardian for non UK students. Coursework Cover Your Statement of Insurance will show whether You have cover under this We will pay for costs incurred for re-sitting an exam or reproducing course material including portfolios and dissertations, in the event of loss of or damage to course material by an Insured Cause occurring within the Period of Insurance. If You need to make a claim Tuition Fees, Coursework and Rent We will pay the Tuition fees and/or any Residential Fees that the Student has already paid and/or is legally liable to pay the College and/ or Term Time Address accommodation provider occurring within the Period of Insurance. What is the most We will pay? We will pay up to the total sum of the amount that has already been paid in respect of Tuition fees and/or any Residential Fees and that which remains contractually owed to the College by the Student in respect of Tuition fees and/or Residential Fees in the Period of Insurance. applying to Tuition Fees, Coursework and Rent It is a condition of cover that in the event of de-registration from the course that You notify the College and Your Student Accommodation Provider of Your withdrawal as soon as reasonably possible. We will not pay:- a) more than 000 in total during the Period of Insurance b) for any claim arising directly or indirectly by any cause not included under c) any claim unless full details are provided in the form of supporting information, such as a receipt or other proof of purchase, together with confirmation that the coursework material or examination fees cannot be recovered without cost to the Policyholder. d) the first 0 of any claim e) any amounts recoverable from elsewhere 0

10 Mobile Phone Cover Your Statement of Insurance will show whether You have cover under this section applicable only to, in addition to the general which appear on pages -. For simplicity s sake We use key words and phrases which are listed below in alphabetical order. They have the same meaning whenever they appear in this section and are shown with an initial capital letter to remind You of their importance. Accidental Damage The full or partial destruction caused by an unexpected or unforeseen external force or incident. Accidental Loss The misplacement of Your mobile phone in a public place within the United Kingdom. Airtime Provider The supplier of Your line rental in respect of the Insured Phone. Call Cloning The Unauthorised Calls that are stated on Your Insured Phone statement that have not been made from the Insured Phone. We will pay for:- a) Accidental Damage Repair or replacement to the same or similar specification of the Insured Phone at discretion if the Insured Phone is subject to Accidental Damage. b) Accidental Loss Replacement to the same or similar specification if the Insured Phone is subject to Accidental Loss at discretion. c) Theft Should the Insured Phone be stolen We will replace it with a mobile phone of the same or similar specification. d) Unauthorised Calls Contract phones Should the Insured Phone be used without Your permission following its theft or by Call Cloning We will pay up to 0.00 provided the Police and Your Airtime Provider have been notified, the latter within hours of the discovery of the theft. Pay as You Go phones If You have a Pay as You Go type Insured Phone, then liability will be limited to a maximum of.00. The Insured Phone will be repaired in the event of Accidental Damage. In the event of theft or if beyond economic repair it will be replaced with a mobile phone of similar specification or value at discretion. The original Insured Phone will become property in the event of replacement. We will not pay:- a) the first of each and every claim incurred due to accidental loss b) the first 0 of each and every claim incurred other than for accidental loss c) for any loss suffered as a result of not being able to use the Insured Phone or any loss over and above the replacement cost of the Insured Phone. d) for theft of the Insured Phone: from an unattended motor vehicle except where all reasonable care has been taken to conceal the Insured Phone, e.g. concealed in a locked boot or glove compartment and only if all security systems have been activated; from any convertible vehicle unless concealed in a locked boot; from You except where it has been concealed and not left Unattended or force has been used or threatened; where You have not taken all reasonable precautions to prevent the theft of the Insured Phone; where theft of the Insured Phone has not been reported to the Police and Your Airtime Provider, the latter within hours of the discovery of the theft. e) for Accidental Loss Where the Accidental Loss of the Insured Phone has not been reported to the Police and Your Airtime Provider, the latter within hours of the discovery of the theft or loss. f) for damage caused by: You deliberately damaging or neglecting the Insured Phone; not following the manufacturer s instructions. g) for repair or replacement costs for: loss caused by a manufacturer s defect or recall of the Insured Phone; loss, damage or theft of Smart or SIM cards unless installed in the Insured Phone and in Your possession; calls made after the Insured Phone has been stolen if a phone lock code has not been installed; any cosmetic damage to the Insured Phone; any repairs carried out by persons not authorised by Us; loss or damage recoverable under the terms of any other guarantee, warranty or insurance loss, damage or theft of a Smart or SIM card which has not been removed from the Insured Phone before the Insured Phone is sent off to be repaired. h) for the cost of repairing or replacing accessories, peripherals or electrical connections and any loss caused by their use unless stated on Your Statement of Insurance. i) for any mobile phone purchased from outside the United Kingdom. If You need to make a claim Mobile Phone Cover The Insured Phone will be repaired in the event of Accidental Damage. In the event of theft or if beyond economic repair it will be replaced with a mobile phone of similar specification or value at discretion. We will not under any circumstances replace the lost or damaged mobile phone with a model of a different type or of a higher specification, even if You are prepared to contribute to the additional cost. The original Insured Phone will become property in the event of replacement. The Sum Insured under this section will be reduced by the amount of any claim payment made under Mobile Phone Cover. If You wish Us to reinstate the Sum Insured on a replacement item You may do so by advising Us and paying any required additional premium. If You do not then any replacement item(s) will not be covered. applying to Mobile Phone Cover. This insurance only covers mobile phones purchased or provided in the United Kingdom and is subject to any repairs being carried out in the United Kingdom by repairers approved by Us.. You cannot transfer this insurance to someone else.. In the event of a claim, delivery and collection of Your Insured Phone is free. If for any reason You are not available for the courier at the agreed time You will be charged the sum of 0 plus VAT for each subsequent collection and/or delivery. Commencement Date The date on which We accept Your Insured Phone for cover under the policy. Insured Event Accidental Damage, Accidental Loss, theft and Unauthorised Calls. Insured Phone The mobile telephone shown on Your Statement of Insurance belonging and for which this insurance has been affected. Premium The sum payable by You to Us to ensure cover under this section. Unauthorised Calls The cost of any calls made on the Insured Phone up to the maximum shown on Your Statement of Insurance should the Insured Phone be stolen, provided always that such theft is reported to the Police and Your Airtime Provider, the latter within hours of discovery of the theft.. You may cancel Your Cover under this section by giving Us seven days notice in writing. If You cancel this section, You will not be entitled to a refund of the premium for outstanding Cover. 0 0