The policy is a legal document and defines the cover in precise terms. Read it fully on receipt: you may then, if dissatisfied, withdraw your application without cost within 10 days [if no claim has been made in the meantime]. This form provides an outline of cover and the main exclusions. Specimen policy available on request. NO REFUND OF PREMIUMS AVAILABLE AFTER SIX MONTHS ON COVER.
BASIC COVER - for personal belongings starting at 2,500, plus College/ Landlord’s property in your rooms up to 1,000, against Fire, Theft following visible forcible and violent entry, Storm and Flood within student lodging or other temporary place of residence in the UK, including your parents’ home. The following categories are limited to the single article limit shown below:
AREA 8 - 2000 of cover only, excluding Landlord’s property . Cover applies to the risk address in term-time only and to property removed to your parents’ home during vacations.
OPTIONAL EXTRAS [available only with BASIC policy] NOT AVAILABLE FOR AREA 8 ALL RISKS [for valuable items]. List any items such as jewellery, watches, cameras, etc. to be insured separately for Accidental Loss and Damage as well as Fire and Theft, anywhere in the UK. The maximum cover allowed overall is 2,500 with a single item limit of 500. Contact lenses, spectacles, records, tapes, CDs and Mobile Telephones cannot be insured under this section. You will be responsible for the first 30, rising to 50 in Areas 4, 5, 6, & 7 of any claim. Theft from vehicles is excluded. Items should be insured for their replacement cost, or current value if over 2 years old.
COMPUTERS Please write a description of the items you wish to insure. Work out the total cover you will require in the box opposite and then enter the premium in the Premium box. This cover is for Accidental Loss and Damage as well as Fire and Theft anywhere in the UK. Maximum cover available 5000. Single item limit 2500. Computer accessories - maximum cover available 250.
PEDAL CYCLE We can cover theft or damage caused by attempted theft of a bicycle [provided it is locked to an immovable object or contained within a locked building] anywhere in the UK. You will be responsible for the first 30, rising to 50 if the loss occurs in Areas 4, 5, 6 & 7 of every claim. The maximum sum insured is 400. The bicycle should be insured at its current value, including accessories.
CLAIMS SETTLEMENT - Provided the sums insured are adequate, claims will be settled on a New for Old basis by replacement where possible for items purchased new and less than two years old. The only exceptions are clothing, household linen and pedal cycles where a deduction will be made for wear and tear. If a cash settlement is requested this will be dealt with on a current value basis allowing for depreciation.
PLEASE NOTE - Insurers and their agents share information with each other to prevent fraudulent claims and for underwriting purposes via the Claims and Underwriting Exchange Register, operated by Insurance Database Services Ltd. A list of participants is available on request. In dealing with your application this register may be searched. In the event of a claim, the information you supply on this form and the claim form, together with other information relating to the claim, will be put on the register and made available to participants.
Any post-code not listed below is Area 1
Has the risk address been burgled in the last 3 years to the best of your knowledge? select... yes no
If the answer to either of the above questions is YES, please supply full details
Please advise name of previous insurers
IMPORTANT NOTICE-This proposal form should be completed to the best of your knowledge and belief and all MATERIAL FACTS should be disclosed. A material fact is one likely to influence an insurer in the assessment and acceptance of the proposal form. If you are in any doubt as to whether a fact is material, it should be disclosed to the Insurer. Failure to do so could invalidate the policy. Please make sure that the sums insured are sufficient or you may be under-compensated in the event of a claim. No refund of premiums available after 6 months on cover.
DECLARATION: I consent to the information on this form and on any claim I may make being supplied to IDS Ltd so that it can be made available to other insurers. I also agree that, in response to any searches you may make in connection with this application or any claim, IDS Ltd may supply information it has received from other insurers about other claims I have made. I declare that this proposal shall form the basis of the contract between me and the insurer and I will accept and abide by the terms of the policy to be issued. For the major part of the 12 months to be covered by this insurance, I expect to be a student. By submitting this form I am confirming my agreement to the terms and conditions of this form and to details within. We reserve the right to ask for special terms or decline this proposal.
