Can I be added to a parent’s policy?
Yes, ask your mum or dad if there’s existing provision for this, or if they can extend their policy to include contents insurance for “students living away from the home” or similar cover. Some policies include this as standard, but with others you may have to add it for an extra premium.
If you move into university or college halls of residence, you may find that they already offer some insurance cover (for fire, flood and theft) for most of the items you keep in your room – but be wary as this often doesn’t extend to cover accidental damage, which may be useful. Also, be mindful that phones and laptops taken outside of a locked room or house aren’t usually covered.
If you take out contents insurance for your room, look for Personal Possessions cover, which is designed to insure things you take out and about with you.