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Student contents insurance isn’t compulsory, but it can make good financial sense to take out a policy during the time you’re studying at university.
Student accommodation can provide rich pickings for thieves, with many students owning a variety of valuable items such as laptops, tablets, and smartphones. Having student contents insurance in place will ensure you don’t have to cover the cost of replacing your belongings yourself if they were lost, stolen, or damaged.
Student insurance works in much the same way as standard contents insurance and will protect your belongings within your university accommodation against fire, theft, and flood. Student insurance policies vary in terms of what they cover, but will typically include books, clothes, jewellery, furniture, and some electrical items.
It’s important to read the small print of your student insurance policy carefully, but you’ll usually find it contains the following exclusions:
A quick and easy way to find the best student insurance policy is to shop around and compare quotes – you could also earn up to £28 cashback.
If you’re able to, paying for your student insurance in one go each year will be cheaper than paying in monthly instalments.
The excess is the amount you’ll need to pay towards the cost of any claim you make, and you’ll usually be able to adjust this when you compare insurance quotes. By increasing your excess, you’ll bring down the cost of your premiums. However, it’s crucial that your excess is still affordable – after all, if you make a claim, you’ll have to pay it.
If you have the option of adding extra cover to your policy, make sure you only pay for what you really need.
Having the correct locks on doors and windows to reduce the chance of a break-in could also help to lower your premiums.
When applying for student insurance you’ll usually have the option to bolt on additional cover for an extra fee. Typical add-ons include:
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The easiest way to accurately estimate how much your belongings are worth is to add up the value of all the items you have in your room, including clothes, gadgets and course books.