Insurance
A basic level of contents insurance is provided for you when you live in University-owned or managed partner accommodation. Find out more about what's included and how to make a claim.
University-owned accommodation
As a student living in Newcastle University-owned accommodation, you are insured by Cover4Students, a trading style of UK & Ireland Insurance Services Ltd. The insurance is included in the price of your accommodation, so there is no extra charge unless you choose to top-up your policy to cover extra items such as bicycles. The coverage guarantees the protection of your valuables while they are in your accommodation. Once you move out, your belongings will no longer be insured.
What’s included?
Your cover will protect you against theft, fire, lightning, explosion, and vandalism, as well as damage caused by burst pipes, storms, or floods. For people living alone, personal possessions are covered up to a limit of £10,000 per claim. Your coverage is increased to £12, 000 if you live with a partner or family.
Please keep in mind that some things, such as bicycles or high-value products, may require additional coverage. This is not included under the basic cover, and separate arrangements must be made to insure them. Visit the Cover4Insurance website for a better understanding of what is and is not covered and what extras you can add for an additional cost.
View our Insurance Summary 23/24 and Insurance Policy 23/24.
Making a claim
We recommend that you familiarise yourself with the process on the cover4students website, including the terms and conditions. To make an insurance claim, please follow these steps:
- complete the claims form on the website
- contact your residence reception and tell them about your claim. The insurance company will require validation from the University before processing the claim.
- in the event of theft, malicious damage, vandalism, or any other criminal activity, you must report the incident to the police within 24 hours of discovery.
- when making a claim for theft or loss, you will be required to provide the following information:
- the time of the incident
- the name of the person who discovered it
- the police officer and police station informed
- a list of missing items
- the method by which thieves gained entry
- Crime reference number
Claims will be settled on a "new-for-old" basis, meaning that all insured items (excluding clothing, linen, and rented household goods) will be replaced with new items at current prices, regardless of age or condition.
Note: Proper documentation is crucial to a successful insurance claim. Make sure you have all the necessary information and follow the steps outlined above.
Managed-partnership accommodation
Your managed partnership accommodation charges include personal possessions insurance. This means your belongings are insured while they are in your accommodation for the duration of your contract.
For more information about your policy, please refer to your accommodation site for specific policy details:
Why do I need insurance while staying in student accommodation?
Having insurance for your belongings ensures that you are covered if something is lost, stolen, or damaged. When booking your accommodation through the University, insurance is included in your accommodation contract. This will usually cover the cost of replacing personal items however all insurance policies have terms and conditions that you should familiarise yourself with so that you understand what is and isn't covered.
Am I insured if I choose to live in private accommodation?
If you’re not living in University-owned or managed partnership accommodation, you won't be covered by our insurance schemes and should look to purchase your own cover.
Cover4Students offers a 10% discount on their Student Possessions Insurance for Newcastle University students who choose to live in private accommodation. Visit their website to find out more.