Student Insurance

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Student Insurance

As a student, you want to be able to enjoy yourself while away at university and to be as carefree as possible, so it is worth taking the time to insure yourself against any potential grief.

Unfortunately students are often the target of thieves, especially their halls of residence and, generally, areas renowned for student residence, while holiday periods are seen as easy pickings.

Bearing in mind the risks, paying a fee to obtain protection against potential burglaries may well be worth it. There are many insurance providers that offer specialist student insurance policies, which will protect your belongings whether you live in halls of residence or off-campus. Individual items of particular value, such as computers or musical instruments, can also be easily covered.

The hard part is searching for a policy which is best suited to your needs. There are various companies that provide student insurance, but it is important to have in mind your exact requirements when looking for a policy. You don't want to be paying for something that isn't necessarily needed. Use the internet for comparison tools.

Cover is usually split into two categories - Halls of residence and off-campus cover. The following is a typical list of contents that will be covered by both halls of residence insurance and off-campus cover.

• Contents of your room - Covers your belongings on a 'new for old' basis, including desktop computers, against theft, burst pipes, fire, vandalism, storm and flood - in your room(s); shared areas in Halls; at your home; in direct transit to and from home at vacations; in locked storage on campus at any time.
• Accidental damage and key cover - Covers your contents against accidental damage occurring whilst in your room(s) and replacement keys/locks, (amount depends on the insurer), following loss of keys.
• Computer equipment – Cover for either ‘in and out’ of your room or ‘room only’. Includes theft, accidental loss and damage.
• Vacation top-up - Covers your belongings, (amountand time depends on insurer), left in your room in unoccupied off campus accommodation during vacations.
• Mobile phone - Cover for your phone against theft, damage or accidental loss, plus airtime abuse up (amount depends on insurer).
• Legal expenses - Cover (amount depends on insurer) for defending claims against you, for claiming against other people for damage or injury they cause you, and tenancy disputes.