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Karma Insurance Services is an authorised representative of Lloyd Wright Consultants Ltd, who are Authorised and Regulated by the UK Financial Services Authority for the transaction of insurance in the UK and cross border transactions within the European Union. Registration Number 313334.
Represented at
Lloyd's of London
SP3 - Cover at a Glance  
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SP3 – Single Persons Possessions Policy
Accidental Loss or Damage to Contents
Including Photographic and Audiovisual Equipment, Desktop personal computers, Sports Equipment and Musical Instruments
Up to £10,000.00
Single Item Limit Up to £1,000.00
Options
Cover anywhere in the UK Up to £3,000.00
Single Item Limit Up to £1,000.00
Pedal Cycles Up to £1,000.00
Laptop and Palm Top Computers Up to £2,500.00
Personal Accident Up to £20,000.00
Legal Expenses
including Tenancy and Rent Disputes
Up to £50,000.00
Additional Benefits
Freezer Food Up to £50.00
Personal Money Up to £100.00
Credit Cards Up to £500.00
Locks and Keys Up to £100.00
CDs / DVDs Up to £600.00
Washing Machine Shrinkage Up to £100.00
Mugging and Assault £150.00
Broken Bones £100.00
Hospitalisation by an Accident Up to £350.00
Special Extensions for Students and Postgraduates
Cover On Campus
Cover whilst in any building on campus Up to £5,000.00
Cover whilst in University or College designated storage Up to £3,000.00
Cover in transit to and from your permanent address at     the beginning and end of term Up to £500.00
No Policy Excess – Franchise applies
Optional Excess of: NIL, £25.00 or £50.00
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