A simples guide

Students contents insurance

If you’re a student, you’re probably concerned with the same things as everyone else when it comes to getting contents insurance. However, there are a few things that might be a bit different that you need to consider to get the right level of protection.

What’s covered?

Contents insurance covers your belongings against loss or damage brought about as a result of theft, fire, vandalism, or floods (natural as well as from burst pipes!).

What if I break something?

You might want to consider adding accidental damage cover to your policy as full accidental damage  isn’t usually included as standard. While it might cost a bit more, accidental damage cover will give you some piece of mind that if you or someone else breaks something, you’re covered. 

Broken vase

What if I’m out and about, am I covered?

Your standard contents insurance policy will not usually provide any cover for your items that you take out of your home. You need to check whether you have ‘personal possessions’ or ‘personal belongings’ cover if this is important to you. This covers your items such as your coat, watch, phone, laptop and so on if they’re lost or damaged while you’re outside of your house.

Anything else I should know?

A few things:

Contents cover often comes with two limits. An overall limit for the total amount of your contents (this is the sum insured that you will select) and individual per item limits. Make sure you have enough cover overall, just in case something awful like a fire happens. Also, if you’ve any expensive items over a certain value (your policy will tell you how much this is), you may need to notify the insurer of these separately to get the right cover. Bikes and musical instruments are sometimes excluded from standard cover so check your policy carefully. It’s usually possible to get them added but your insurer might charge you more to do so.

One final important point depending on your accommodation situation. Policies sometimes exclude what is known as walk-in theft. This is where a thief is able to have access to your property without breaking a window or door. In shared houses or student halls of residence, this could be an issue. Check your policy documents if you are in this type of accommodation or talk to your insurance provider.

Sounds complicated, how do I find the best deal?

We recognise that it might seem complicated. We try to make it as simple as possible to compare prices for contents insurance. Start a quote now and we’ll take a lot of the effort out of it for you. Add in some details and we’ll show some prices so you can find the right contents insurance for you.

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