E&L Insurance

Online Discount

Unfortunately it is a sad fact but students are high risk targets for thieves. As a student you are likely to own expensive consumer goods. It is no surprise then that 1 in 3 students become a victim of crime each year. In fact 16-24 year old are 3 times more likely to be victims of burglary than any other age group.*

Many students believe their belongings will be covered by their parents' home insurance even whilst they are away at college or university. In most instances this is not the case. E&L® Student Insurance can provide you with peace of mind and let you get on with enjoying your time at college or university.

  • 20% online discount
  • Personal possessions cover for certain fire, theft, vandalism and water damage up to £8,000
  • Cover for missed exams and reimbursement of college/university fees and rent should you become injured and unable to attend.

We understand that as a student you are on a tight budget; that's why our premiums start from as little as £1.39 for a monthly policy. That's cheaper than a pint to insure all of your personal possessions! Can you really afford not to be covered? Personal Possessions insurance covers your belongings in your house, flat or halls of residence.

To find out more about the cover and benefits our student insurance has to offer please take a look at our policy information. For more specific queries about the insurance policy please take a look at our Student FAQ’s.

Get a quote for university student insurance and see how little you could be paying to cover your personal possessions.

* norfolk.police.uk

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Student Possessions Policy Information

  Monthly1 Yearly
Legal Liability for Personal Injury to Others £1.5m £1.25m
Legal Liability in Respect of Landlord's Property £5,000 £4,000
Fraudulent Use of Credit Card £1,500 £1,250
College Property on Loan £500 Max £250 for books £350 Max £200 for books
Personal Accident £1,500 £1,200
Permanent Disablement Due to Theft or Fire £65,000 £60,000
Permanent Disablement Due to Mugging or Assault £65,000 £60,000
Permanent Disablement Due to Motor Vehicle or Public Transport Accident £20,000 £15,000
Other Cause of Permanent Disablement £20,000 £15,000
Missed Exams £1,500 £1,250
Reimbursement of Fees, Rent and College Expenses £1,000 £750
Accidental Death of Parent £7,000 £6,000
Telephones and Meters £250 £200

Security Requirements

Please see our Student Security Requirements document.

Excess

The excess is the amount you pay towards a claim. It is £49 for all sections except Public Liability where it is £250. The excess is double for claims under all sections for area codes D and E and Worldwide.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Student Possessions Insurance:

  • 20% online discount

The total maximum discount per policy is 20%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Student Possessions Insurance the following conditions must be met:

  1. The policyholder is a UK resident aged over 18 years
  2. You must meet our security requirements

Please see the Student Possessions Insurance Policy Wording for full eligibility criteria.

Please have a look at the cycle security locklist if you are adding a bicycle to your policy.

Policy Summary

The policy summary gives an overview of the benefits our student possessions insurance provides

Student Possessions Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our student possessions insurance terms and conditions.

Student Possessions Insurance Policy Wording

To view the above PDFs Adobe Reader must be installed.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.

Student Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • Are there any types of student possessions that you cannot cover?

  • Unfortunately we cannot offer cover for mobile phones, white goods, iPad's, iPods, tablet computers and MP3 players.

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  • Can I arrange my student insurance cover in advance?

  • Cover can be arranged up to 90 days in advance.

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  • Can you cover my flat mate on the policy?

  • We can only cover the named individual in the policy schedule.

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  • Do I need to fit locks to my room?

  • No, you don't need to fit any additional security. However, you have a 'duty of care' to take all reasonable steps to prevent accidents, loss and damage.

    1. View our Security Requirements PDF

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  • How much cover do I need on my student insurance policy?

  • Many students underestimate the value of goods they have taken away to university. When choosing the level of cover remember to include the value of musical equipment, TV equipment, camera, domestic appliances such as kettles and toasters, and personal items such as clothes, shoes and jewellery. The total sum to insure may add up to more than you think!

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  • What is the maximum sum insured?

  • We insure student possessions between £2500 and £8000.

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  • What is the single item limit?

  • The single item limit is 25% of the sum insured.

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  • Where are my belongings insured?

  • Your belongings are insured whilst they are at: (a) your term-time address, (b) your parents' home(s) and in direct transit to and from home during the university holidays.

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  • Who can apply for student insurance cover?

  • Full-time students studying at college or university in the UK.

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  • Why do I need student insurance?

  • It's a sad fact but students are high risk targets. Many suffer from some form of crime during their time at University or College. Research suggests that 1 in 4 students will be a victim. With students owning on average £3000 worth of possessions many could not afford to replace these items if they suffered from a burglary.

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Off to uni? Be sure to get student insurance before you go!

For students who are headed off to college or university, it can be an exciting - and also scary - time. Leaving home and settling into a new place can be fun but it can also have its drawbacks. This is especially true for students who are living in halls, with no prior knowledge of the people they will be living with.

It's an unfortunate fact that an estimated one in three students is a victim of crime each year. However, it's also important to remember that loss, accidental damage and personal injuries also happen on a regular basis. As a student living away from home, this can not only be distressing, but it could also cause interruption to studies.

Here at E&L, we offer student insurance that covers a variety of eventualities that might befall a young scholar away from home, giving both students and parents peace of mind. So why not get a free online quote today or get in touch to find out more?

What does student insurance cover?

Many students mistakenly believe that they will be covered by their parents' home contents insurance policies while at uni. However, in most cases, this is not true and you should check this carefully with your insurance provider.

When choosing university insurance, you should look for a policy that offers protection for books and personal belongings, as well as the technology that you use for your studies - for example, many students have a laptop computer that they use for their coursework.

With E&L, you can rest assured that your possessions will be protected from certain fire, theft, vandalism and water damage. And our students' contents insurance is valid whether you live in a flat, share a house or stay in halls.

As well as protection for your physical belongings, the student insurance that we offer also includes personal accident cover and liability cover as standard. Plus, if you miss exams due to illness or injury, you may be eligible for some reimbursement or additional funds to cover the costs of sitting rescheduled assessments.

If you decide to get university insurance from E&L, you can choose one of two payment plans: yearly or monthly. Based on the 28-day lunar month, the monthly option offers a lower price, but with increased coverage and better premium rates.

Choose E&L and get top marks for UK student insurance

As a respected provider of personal line niche insurance, E&L has been working with UK customers for over 70 years. We are committed to ensuring that our customers get the right policies for their requirements - and with our low prices, you really can't afford not to get university insurance from us.

As well as students' contents insurance, we also offer cover for specialist hobbies and activities - so whether you enjoy camping, traveling or photography in your free time, there's sure to be a plan that keeps you and your equipment adequately protected. And since we're regulated by the Financial Services Authority, you can rest assured that your insurance is reliable.

To find out more about our student insurance, such as what the policies cover and the types of benefits you will enjoy with a plan from E∓L, be sure to check our student insurance FAQs. And why not check out the most recent student news to find out about the latest trends, as well as ways to protect yourself while at uni?