Cover Details .

1. Contents of your room(s) Covers your posessions on a ‘new for old’ basis, including computers, against theft (including walk-in thefts), burst pipes, fire, vandalism, storm and flood – in your room(s); shared areas in Halls; at your home; in direct transit to and from home at vacations; in locked storage on campus at any time.
   Hi-fi/photographic equipment and individual items are limited to £2000 per claim and the following groups of items are limited to £600 per group per claim:
   • valuables
   • musical instruments
   • cds, dvds, video/audio cassettes, records, cd roms and computer games
   • clothes are limited to £250 maximum per article.
   Cover for items above these amounts is available under section 5.
   
2. Accidental damage and key cover Covers your contents against accidental damage occurring whilst in your room(s) and replacement keys/locks, up to £150, following loss of keys.
   
3. Computer equipment
   1. In and out of your room - covers theft, accidental loss or damage.
   2. Room only - restricts cover to your room(s) and excludes accidental damage and accidental loss.
4. Vacation top up Covers your belongings, up to £3000, left in your room in unoccupied off campus accommodation during vacations – for up to 35 days per vacation.
5. Items that you take outside of your room(s) - all risks
   1. Unspecified Items - cover for low value items on an unspecified basis up to £300 in total. Covers theft, accidental loss or damage.
   2. Specified Items - covers theft, accidental loss or damage to specified items - for example: watch, camera, jewellery and other valuables, glasses, sports equipment.
6. Mobile phone Cover for your phone against theft, damage or accidental loss, plus airtime abuse up to £150.
7. Legal expenses Up to £50,000 cover for defending claims against you, for claiming against other people for damage or injury they cause you, and tenancy disputes.
8. Course Fees cover - Covers course fees and any residential fees you have paid or are liable to pay in the academic year up to £5000 maximum, if as a result of your illness, death or accident you have to leave your course early, or if a parent on whom you rely for financial support suffers illness or redundancy.

The following extra cover is automatically included free:

• 24 hour helpline, provides advice and counselling on health, drugs, contraception, debt, housing, legal and welfare matters
• your personal legal liability – £1,000,000
• loss or damage to meters, phones (£150), college library books (£200); college property on loan (£500); landlord’s property (£5,000)
• theft of money from your room (£50), credit cards (£500)
• injury and damage to possessions by mugging or assault – up to £5,000
• death by accident of parent/guardian – £5,000