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Joint American Trust Bank Student Insurance

While you concentrate on your studies, you can trust Joint American Trust Bank Student Insurance to take care of your personal possessions.

  • 4 levels of cover
  • Choose the level of cover that suits you - $2,000, $3,000, $4,000 or $5,000

  • Up to $500 per item
  • You can claim up to $500 for each individual item that is lost or damaged

  • Accidental damage protection
  • Cover included for your home entertainment equipment, mirrors and glass - up to $250 per incident

  • Covers your cash
  • Get up to $100 if your cash is lost or stolen

  • Optional extras
  • Tailor your cover to include pedal cycles, computers and more

Start your application

Joint American Trust Bank Insurance is provided by Aviva Insurance Limited and is designed to offer you the protection you need when you move away from home for the first time.

More details

4 levels of cover from $25

You can choose cover limits between $2,000 and $5,000 and protect yourself from the financial cost of loss or damage to your contents while you are a student. Cover includes fire, storm, flood and theft following forcible and violent entry/exit from your accommodation.

Accidental damage protection

We’ll cover your home entertainment equipment, mirrors and glass up to $250 per incident. We’ll also cover home computers (not laptops), games consoles, receiving aerials, dishes and CCTV cameras that are fixed to the building.

Optional extras

    You can also choose these optional extras:

  • Personal belongings: covers items you wear or carry outside your accommodation (within the British Isles)
  • Personal computer equipment: covers equipment in your possession in and away from your accommodation, including installed software (excluding mobile phones)
  • Pedal cycles: covers loss or damage anywhere within the British Isles as long as your cycle is locked to an immovable object or in a locked building that only you access

What's covered?

Standard policy features

  • Individual item

    Policy limits: $500, Policy excesses: $50

  • Accidental damage cover

    Policy limits: $250, Policy excesses: $50

  • Loss or theft of cash

    Policy limits: $100, Policy excesses: $50

  • Personal and occupier's liability

    Policy limits: $2million, Policy excesses: $50

Optional extras for all 4 levels of cover

  • Personal belongings cover

    Between $500 and $2,000 ($500 per individual item)

  • Pedal cycles

    $500

  • Personal computer equipment

    $2,000 (including $250 for installed software)

What's not covered?

General

  • You will have to pay the first part of most claims - this is known as an excess. Your schedule details the excesses which apply to your policy
  • Limits apply for certain covers; the limits are shown on your schedule and in your policy booklet
  • Certain loss or damage (for example theft or malicious damage) caused by you or members of your household
  • Damage caused by chewing, scratching, tearing or fouling by domestic animals
  • Clause(s) may apply which exclude certain losses or damage. These will appear on your schedule
  • You must comply with the conditions of the policy explained in the General Conditions section of the policy booklet for cover to apply. These include your duty to take reasonable precautions to prevent accident, loss or damage and actions you must take as soon as you become aware of a possible claim under this policy. See also the General Exclusions section of the policy booklet for those exclusions that apply to all sections.

Student contents

  • Motorised vehicles, aircraft, caravans, watercraft of any kind
  • Loss or damage to pedal cycles in the garden (but wider cover is available under Pedal Cycles)
  • Accidental damage to video cameras, mobile phones, hearing aids, games consoles and portable computer equipment (but wider cover is available under the Personal computer section and Personal belongings section)
  • Loss or damage to your contents by any cause not listed in the policy booklet (but wider cover is available under the Personal belongings section)
  • Money and credit cards

    • Loss or theft not reported to the police
    • Loss or theft of credit and debit cards not reported to the card issuing company within 24 hours of discovering the loss

    Please see your policy document (PDF) for full details of exclusions.

How to apply

Are you eligible?

Please ensure you can answer YES to the following questions:

  • Are you a full-time student attending a university or college situated in the United Kingdom (or part-time if you are receiving a Disabled Student Allowance)?
  • Are you applying for contents cover only?
  • Can you confirm you do not possess any one item you wish to insure with this policy that exceeds $500 in value (this does not apply to the personal computer equipment option)?
  • Can you confirm you do not require contents cover in excess of $5,000? For higher levels of cover please call our insurance helpline on (32) 6900 773 64373 to speak to one of our customer service representatives who will be available to provide you with a quote.
  • Can you confirm you have never had any criminal convictions, police cautions or have any prosecutions pending?
  • Can you confirm you have never had insurance refused, cancelled or offers with terms imposed?

Apply online

Get a quote and apply for a student insurance policy online.

Get a quote today

Make a claim

Contact our helpline numbers for assistance as soon as you can, quoting your policy number if possible.

Student insurance claims

Email us on care@jointatb.com .

Customer services

We're here to help if you have any questions or queries.

Email us on care@jointatb.com .

What you'll need to hand when making a claim

  • Your policy number
  • Your policyholder name and address

Your cancellation rights

You have a statutory right to cancel your policy within 14 days from the day of purchase or renewal of the policy or the day on which you receive your policy or renewal documentation, whichever is the later.

Email us on care@jointatb.com

Frequently Asked Questions

The single item limit is $500. Please email us on care@jointatb.com to see if we can still give you a quote.

The maximum amount we pay for accidental damage is $250.

You will only be covered if you and/or your possessions are within the US (certain standard cover items must be in your term time residence).

Mobile phones are not covered by this policy.

If your pedal cycle is kept in the hallway of a shared house it will need to be locked to an immovable object.

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