Student Cover

When your young adult heads off to university, you can help support them with our student cover add-on.

Student cover helps to give you peace of mind while they’re away studying anywhere in the UK. It's available as an add-on for Bronze, Silver or Gold policies with John Lewis Home Insurance, brought to you through our Home Insurance provider Munich Re Digital Partners Ltd, and is specifically designed with students in mind.

• Up to £5,000 contents cover for any one claim.

• Bikes covered anywhere in the world up to £500 per bike (excludes e-bikes).

• Unauthorised transactions charges on a lost or stolen credit, debit, charge or cash-dispenser card up to £50 for each transaction.

• Add cover at any time so if your circumstances change halfway through the policy, it’s no problem.

• No admin fees – it's completely free to make changes at any time, but your premium may go up.

• Fair, transparent pricing – you only pay for the extra options you choose.

What is student cover?

Student cover is essentially tailored contents insurance that covers typical student belongings such as printers, textbooks, CDs and bikes. It’s available for students living in university halls or rented student accommodation managed by a landlord or letting agent.

There are lots of things to get organised before the beginning of term. Because our student cover add-on is flexible, you can add it at any time during the year and make unlimited changes. In short, you can decide what cover suits your needs and when you need it.

How do you find the right student home contents insurance?

Student contents insurance is there to protect against loss or accidental damage to your young adult’s things while they’re temporarily living and studying away from home. But do all students need contents insurance for their shared house or flat while at university?

It’s always a good idea to consider the following:

• For students living in halls of residence, insurance may well be included in the cost, if not, it’s simple to add it to your Bronze, Silver and Gold policy from John Lewis Home Insurance at any time.

• When choosing student cover, consider whether your young adult has any belongings in their shared house that may need individual cover. We can tailor our cover if you tell us about any unique or expensive item they plan to take with them to university.

What’s covered in student cover?

Most of the items that a student is likely to have with them is covered with our Bronze, Silver or Gold Home Insurance student add-on. At a glance, we cover your young adult for loss or damage to items including:

• Laptops (up to £750) in student accomodation

• Textbooks

• TVs

• Pedal bikes (worth up to £500)

• Clothes and shoes

• Jewellery

• Sports equipment (up to £500)

• Printers & digital downloads (up to £1,500)

If your young adult owns something that would be difficult or expensive to repair or replace, give us a call to discuss individual item cover.

All the relevant limits are in your policy documents.

What’s already covered in a Contents Insurance policy?

Our standard Bronze, Silver or Gold Contents Insurance includes cover for contents against escape of water, theft, vandalism, and damage caused by fire, storms or falling trees - as long as your contents are in your home.
If your student leaves their contents in your home, they will be covered by our standard Contents Insurance.

However, in order for your student's contents to be covered while temporarily away from home and in student accommodation, you would need our student cover.

What's not covered in Student cover?

As with all types of home contents insurance, you’re not covered if the loss or damage happens while the student accommodation is unoccupied for longer than 60 days. So it's a good idea to make sure your student brings all their important belongings home with them for the holidays.

A full list of exclusions can be found in our policy documents.