Student contents insurance


Students who are renting will only need contents insurance. They won't need buildings cover.
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Do I need student contents insurance?

Student accommodation can often be targeted by thieves, because a lot of students have expensive items such as laptops, tablets and smartphones.

It’s never fun to be the victim of theft or other misfortunes, but student insurance will at least minimise the cost and inconvenience if your possessions are stolen, lost or damaged.

Get your insurance in place for the start of your residency, that way you’ll be covered from day one.

student insurance

What’s covered?

It’s basically contents insurance, but it’s specially designed to cover the sort of stuff students own, like your gadgets, books, clothes and bicycle.

The policy will pay out if the unexpected happens and your possessions are lost in events like a fire, theft, flood or storm.

You build the policy you need – so you’ll need to add high-value items like gadgets, bicycles and musical instruments to your policy.

Things like accidental damage, cover away from home, and insurance for losing your keys are all optional extras – add them if you need them.

What’s not covered?

You’ll need to look at policy docs to see exactly what’s excluded, but usually you won’t be covered for:

  • Theft with no sign of forced entry
  • Break-ins where you didn’t have approved locks on your door
  • If you’re away and leave your belongings behind - some insurers offer holiday cover or cover if you’ve locked your room, but not all
  • Items over a certain value that you haven’t specified

Student insurance cover options

Here’s what you can choose to include in your policy:


Cover for your gadgets anywhere in the UK and worldwide for up to 90 days. Gadgets can be covered for loss, theft, accidental damage and liquid damage, as well as cover for your digital downloads.


Cover for your possessions anywhere in the UK and for up to 90 days worldwide. You can choose to cover just your everyday items, your valuables worth more than £500, or both.

Musical instruments

Cover your instruments and accessories for theft and damage. You’ll also be covered to hire a replacement while yours is being repaired or replaced.


Cover for theft or damage to your bicycle and its accessories.

Room key cover

In halls of residence or a student house you probably have a lock on the door to your own room. This’ll cover you for losing your keys. It’ll help pay for a locksmith to get you back in and replacement locks.

Tuition fees, coursework and rent protection

If you have to leave your course due to accident or illness, this will cover the money you’d lose in course fees and rent. Plus help to cover the cost of resits. It can help to cover the cost of reproducing lost or damaged coursework too.

How to compare student insurance

There's only a few things we need to know to get you a quote:

  1. Your details

    The usual things like your name, DOB and email address

  2. Uni details

    What university you attend and whether you’re in halls, private accommodation or elsewhere

  3. Cover options

    Choose what you want to include to build your own policy. Look out for cover outside of the house for things like laptops, or your bike

  4. Security details

    Check what locks are on your bedroom door and whether they meet insurer’s requirements

How can I get my student insurance cheaper?

Four suggestions for lowering the cost…

  1. Don't go over the top

    Only pay for cover options that you need

  2. Take care

    Look after your stuff and keep valuables out of sight

  3. Pay annually

    Paying monthly’s more expensive, because interest is charged

  4. Double check

    Don’t double up on cover – check whether you’re covered on your parents’ home insurance