Endsleigh in 60 seconds
Endsleigh Insurance at a glance (2026)
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About Endsleigh Insurance
Endsleigh was founded in 1965 as the insurance arm of the National Union of Students (NUS), to solve the problem that high-street insurers would not insure student belongings in shared housing. From a small office in Tottenham Court Road, Endsleigh grew into the UK's largest student insurance specialist, eventually moving its head office to Cheltenham in 1975, where it remains.
Endsleigh insures around one in two UK students with university-affiliated contents cover and partners directly with the majority of UK universities and accommodation providers, so cover is often built into a student tenancy package.
Why the name Endsleigh?The name comes from Endsleigh Street in London, where the NUS originally had its offices. The insurance arm was set up just around the corner.
Ownership and group structure
Endsleigh was owned by the NUS until 1996, when it was sold to Cornhill Insurance (later Allianz). In 2018 it was acquired by A-Plan Group, the UK personal-lines broker, which itself joined Howden Group in 2020. Endsleigh is therefore part of the wider Howden network in 2026, while continuing to trade under its own brand.
Strategy: student first, then niche specialist
Endsleigh's strategy is to own the student segment and to extend the same trusted relationship into graduate, young-professional, education-sector and small-charity insurance. Where Aviva and Direct Line compete head-on on aggregators, Endsleigh sells the majority of its policies direct through universities, accommodation providers and union partnerships.
In 2026 Endsleigh also runs a fast-growing landlord book for buy-to-let owners letting to students and young professionals, building on its understanding of student tenancies.
Endsleigh insurance: cover and prices in 2026
Endsleigh's product range is built around a few clearly defined customer groups rather than mass-market motor and home. The headline products are below.
The Endsleigh product range
Endsleigh Student Insurance
Contents and possessions cover for students in halls, private halls and shared houses. Often included by universities and PBSA operators as part of the tenancy.
- Tenant liability for accidental damage.
- Bicycles and laptops covered as standard.
- Worldwide personal-belongings option.
Endsleigh Gadget Insurance
Single-device or multi-device cover for phones, laptops, tablets and smartwatches. Includes accidental damage, theft, liquid damage and worldwide cover.
- Worldwide cover up to 180 days a year.
- Accidental damage and liquid damage included.
- Loss cover available as an add-on.
Endsleigh Mobile Phone Insurance
Standalone mobile phone insurance for any handset. Accidental damage, theft and breakdown after the manufacturer warranty. Optional loss cover.
- Cover for new and refurbished handsets.
- 24-hour replacement on most damage claims.
- Up to £2,000 unauthorised call cover.
Endsleigh Graduate Contents
Contents-only insurance for graduates renting in shared houses, flats or apartments. Designed for the post-student phase where you do not yet need full home cover.
- Cover from £5,000 contents.
- Personal possessions away from home available.
- Designed for HMOs and shared houses.
Endsleigh Landlord Insurance
Buildings, contents and loss-of-rent cover for landlords letting to students, professionals or families. Available as standard or HMO-specific cover.
- Up to £1m buildings cover.
- Rent guarantee available as an add-on.
- Specialist HMO cover for shared lets.
Endsleigh for Schools & Charities
Commercial insurance for schools, universities, students' unions, small charities and not-for-profits. Property, liability, trustee indemnity and events cover.
- Combined property + liability policies.
- Specialist students' union cover.
- Trustee indemnity included on most policies.
Endsleigh + your universityIf your university or accommodation provider has an Endsleigh block policy, your room belongings may already be covered for free up to a low limit. Top-up cover for laptops, phones and bikes is usually only a few pounds a month.
Making a claim with Endsleigh
Endsleigh accepts claims online, by phone or through MyEndsleigh. Gadget claims are typically handled by Endsleigh's specialist gadget team with a target of 24-hour replacement on accepted accidental-damage and theft claims. Student contents claims are handled by the Cheltenham team and usually involve a short proof-of-loss form.
For step-by-step instructions, see the Endsleigh claims and help pages. Keep proof of purchase, photos and (for theft) a crime reference number ready.
MyEndsleigh: app and online account
Every Endsleigh customer can manage policies from a MyEndsleigh account on the web or in the iOS/Android app. From the account you can view documents, change cover, add a gadget, renew or start a claim. Student customers can show their digital policy to landlords from the same app.
- Sign in: by registered email and password.
- Forgotten password: reset by entering your email; Endsleigh sends a reset link.
- Biometric login: Face ID, Touch ID and Android fingerprint supported in the latest app.
- Document storage: every policy document is stored in MyEndsleigh as long as the policy is active.
MyEndsleigh for studentsThe MyEndsleigh app shows your contents cover, gadget cover and any university block policy on a single screen, so you can prove cover to a landlord or letting agent without paper documents.
Endsleigh customer service
Endsleigh runs separate lines for sales, service, claims, gadget claims, landlord, commercial and complaints, and these can change. To make sure you reach the right team — and avoid out-of-date numbers — always take the number from an official source rather than a third-party listing.
How to contact Endsleigh
- ✓By phone: call the number printed on your policy documents or renewal letter — this routes you to the correct team for your product (student, gadget, graduate, landlord or commercial).
- ✓Online and app: sign in to MyEndsleigh on the website or app to manage your policy, start a claim and find the right contact details.
- ✓Help and claims: the current numbers for each team are listed on the Endsleigh help and claims pages.
Contact Endsleigh online
- MyEndsleigh: log in to the app or website for secure messaging and most policy changes.
- Live chat: available from the Endsleigh help pages during UK business hours.
- X (Twitter): send a DM to @Endsleigh for general queries (never share policy or payment details).
- Email: sensitive issues should be raised through MyEndsleigh secure messaging rather than personal email.
Endsleigh by post
For policy correspondence and complaints, write to the address printed on your policy schedule, quoting your policy number. The correct postal address is confirmed on the Endsleigh help pages.
How to complain about Endsleigh
Raise the issue first with Endsleigh by phone, in MyEndsleigh or in writing. If Endsleigh does not resolve the complaint within eight weeks, or you receive a final response you disagree with, you can escalate the complaint to the Financial Ombudsman Service free of charge.
Is Endsleigh a good insurer? Reviews and ratings
Endsleigh scores around 4.3/5 on Trustpilot from more than 10,000 reviews, slightly above the UK personal-lines average. Reviews highlight the speed of gadget replacements and the simplicity of student contents claims; the most common criticism, as with most insurers, is around exclusions that customers had not read in their policy schedule.
Defaqto rates Endsleigh's gadget and student insurance at 5 Stars on most variants — one of the broader feature lists in those niches. The brand also holds the NUS Approved Supplier mark, reflecting decades of work with students' unions.
If price is your priority, run an Endsleigh quote alongside our list of the best UK insurance providers before you renew.
Endsleigh news 2024–2026
- 2024: Endsleigh extends its block-policy partnerships to cover the majority of UK PBSA (purpose-built student accommodation) operators, bringing free entry-level cover to around 700,000 student rooms.
- 2025: A refreshed MyEndsleigh app launches with biometric login and digital proof-of-cover for landlords.
- July 2025: Following the Aviva-Direct Line merger reshaping mass-market UK insurance, Endsleigh emphasises its specialist positioning in student, gadget and landlord cover rather than competing on aggregators.
- 2026: Endsleigh extends its landlord product with a dedicated student HMO policy and adds tenant referencing for landlord customers.
Endsleigh timeline
- 1965: Endsleigh founded by the National Union of Students as a student-owned insurance broker.
- 1975: Head office moves from London to Cheltenham.
- 1996: NUS sells Endsleigh to Cornhill Insurance (later Allianz).
- 2014: Endsleigh launches its first gadget insurance product alongside student contents.
- 2018: A-Plan Group acquires Endsleigh.
- 2020: A-Plan Group joins Howden Group; Endsleigh becomes part of the wider Howden network.
- 2024: Block policies extended across the majority of UK PBSA operators.
- 2025: New MyEndsleigh app launched.
- 2026: Endsleigh adds a student HMO landlord product and tenant referencing.
Endsleigh FAQ
Endsleigh Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA reference 304295). Endsleigh acts as a broker, with underwriting placed with major UK insurers. Policyholders are protected by the Financial Services Compensation Scheme (FSCS), which covers 90% of an insurance claim with no upper limit on most general insurance products.
No. Although Endsleigh built its name on student insurance, it also offers gadget, graduate contents, landlord, schools and charity insurance. The student book remains its largest line, but the product range is much broader in 2026.
Endsleigh has been part of the A-Plan Group since 2018, which itself joined Howden Group in 2020. The brand still trades as Endsleigh from its long-standing Cheltenham head office.
You have a 14-day cooling-off period in which you can cancel any new Endsleigh policy and receive a full refund minus a small admin fee. After the cooling-off period, you can still cancel but Endsleigh will keep the portion of premium covering the time on risk plus an admin fee.
Many UK universities and PBSA operators include a free block contents policy with Endsleigh as part of your rent or tuition fees. The cover limits are usually low and exclude high-value gadgets, so most students take out a top-up policy for laptops, phones and bikes. Check with your accommodation provider or in the MyEndsleigh app.