15th September 2015
As a student about to embark on your first year of university there are endless to-do lists of things to plan, buy and pack. Perhaps the furthest thing from your mind is insurance.
It is stereotypical to think that students have fewer needs when it comes to insurance, in fact many students have a large amount of valuables at risk. From smartphones, laptops, TV’s to designer clothes and bicycles, often students are left out of pocket when items are lost, stolen or damaged when inadequate insurance is in place or non-existent.
There are several options available to students to cover your items whilst away from the family home. Most home insurance policies contain cover for family members’ contents whilst studying away from home however; this cover varies greatly depending on the provider and can contain strict warranties and conditions for the policy to be effective.
The alternative for students is to find yourself an individual contents insurance policy. Whilst purchasing a separate policy comes with additional costs it also allows you to set your own limits to ensure that your possessions will have enough cover. Keeping the policy separate from the family home policy also means your parents no claims discount will not be affected should you need to claim.
For any student concerned about their insurance cover, we have complied a checklist to help you keep on top of your policy:
If you have any further tips or have encountered difficulties whilst trying to insure your student belongings, leave a comment in the section below:
Looking for a student contents insurance quote? You can get one online here!
As always we believe to get the most from your insurance, its better to talk. If you have any questions on the level of cover, exclusions or excesses, one of our friendly experts will be on hand to answer your queries.
It's better to talk:
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0333 003 3270
Or FREE from a landline
0800 298 2190
Call Wiser is a trading name of Be Wiser Insurance Services Ltd. Registered in England No. 6097813. Be Wiser Insurance Services Ltd are Authorised and Regulated by the Financial Conduct Authority 465471