Student Contents Insurance

If you're a student at university or college renting a room in a property or live on campus in the halls of resident you'll want to have adequate insurance to cover the items you own and leave in your room against various risks and this is where student contents insurance is something you should consider buying.

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Contents insurance covers you against damage to your property should there be a fire in the house, flood or water damage or simply accidental damage perhaps during a student party.

It's quick and easy to get an online quote from trained insurance specialists to get an insurance policy that's right for you and your possessions and there is plenty of competition in the market place to get some of the cheapest cover available.

When to Get Contents Insurance

Sometimes you may be covered under your parents home contents insurance policy if you are based in the halls of residence so it's best to check there first otherwise you'll get a policy that you won't require.

Contents You'll Need to Protect

It's not just the obvious things you need to get insurance for such as a television so just make a note of all your possessions you have in the house - write them down before contacting a broker or undertaking an online quote because not all insurance will cover everything.

Some of the items you need to insure against theft, loss or accidental damage will include a laptop or desktop computer, printer, software, clothes,

You'll want to check the terms and conditions of any policy to see if you're covered:

In temporary accommodation (perhaps whilst moving addresses at the end of term to another location
Whilst at your parents house during holiday and non term time
If you put your possessions into storage at any point whilst as a student

Typical Cover

With each policy you need to ensure that all your contents are fully covered against accidental damage, malicious damage by other members of your household, and for theft whilst at campus or simply out during the evening period.

Most student polices will cover "new for old" so if something is lost or stolen you'll get it replaced with a new item.

Cover Inclusions and Likely Cost of Insurance

With all insurance policies you'll need to make clear any potential material facts and risks associated with your own circumstances and check to see if the policy covers you.

Student policies are fairly cheap and can cost as little as £15 per year because generally the value of your possessions will normally only be a few thousand (where as most homes have expensive furniture and plasma televisions etc) and of course you'll need to pay the standard government insurance tax at 5%.

Most policies also have something called an excess so you pay the first amount of any claim and for low cost policies such as this your excess should be quite small but check with the insurance company or broker in the first instance.

Getting Cheap Student Contents Cover

Compare against several quotes first to ensure you get the best deal in terms of your premium, the excess payable, the amount of cover provided and whether it includes accidental damage.

Cheap and effective student contents insurance is available through many brokers and insurance companies and if you get your insurance over the internet online you'll always get some form of discount. So check out some of the comparison sites and compare quotes now.