Get the answers to FAQs on student insurance, then compare quotes to find the right deal for you.
Student insurance can cover belongings against loss or damage caused by things like theft, fire, vandalism, storms, floods and burst pipes whilst you're at college or university. Read more in our beginners' guide to student insurance.
Student accommodation can often be targeted by thieves, because a lot of students have expensive items such as laptops, tablets and smartphones. Making sure your contents are covered should help minimise inconvenience should possessions get stolen, lost or damaged.
This will depend on your family's home insurance. Some may offer student cover as part of a comprehensive policy or as an add-on, but look out for restrictions such as only providing cover for one child in a family at a time.
Many companies will offer flexible options so you can tailor your cover to suit you, whether you want to include everything in your room or just one item.
Not always, so make sure you read the terms and conditions of your policy carefully. Whether you live in halls of residence or a shared house might also affect your policy, so double check the small print.
Some university accommodation contracts include insurance but not all, so check before you move in
Student policies may include extra benefits such as:
Some university accommodation contracts include insurance but not all, so check before you move in. Universities may charge an additional fee for insurance or include a premium in the rent. However, university insurance may not cover all your items and you might need to top it up with your own policy.
Just make an inventory of the individual items you have in your room and add up their value.
This covers the cost of a new replacement item and not the current value of the item which has been lost, damaged or stolen.
Alternatively, you can take out a policy which covers the actual value of the item. These policies are likely to be cheaper, but a pay-out may not cover the cost of a replacement item.
This is dependent on your policy. Some will include cover for bicycles and instruments but others will class them as an extra item, so check with your insurer. Alternatively, specialist bicycle insurance is available.
See if you can find the answers in our student insurance guides.