Student Insurance: The Most Frequently Asked Questions

December 12th, 2019

Read the most frequently asked questions about student insurance policies; see the answers, compare quotes and find the best deal to suit you.

What does student insurance mean?

Whilst you are at college or university, you will need to be covered for your belongings. Student home insurance covers against loss or damage caused by theft, fire, vandalism, storms, floods and burst pipes. You can find out more in our beginners’ guide to student insurance.

Is student insurance necessary?

As a student, it is likely you will have valuable items such as tablets, laptops and smartphones. Unfortunately thieves are aware of this and often break in to student accommodation, looking for such items. It is advisable to get your possessions covered as theft of these items can disrupt your studies as well as be expensive to replace through loss or damage.

Will my parents’ home insurance policy cover me for student belongings?

It is best check with your parents about their home insurance policy. In certain cases, student cover may be included as part of a comprehensive policy or as an add-on. It is wise to double check if there are any limitations on a home policy such as cover for one child at any time. This may affect you if you have a brother or sister who is also at college or university, whereby only one of you will be covered.

Will a regular home insurance policy cover me for student belongings?

Students residing in a hall of residence are best going through a specialist provider of student insurance such as Endsleigh.

If you are renting private accommodation as a student living away from home, go through our home contents insurance to obtain a quote. Your living arrangements as a student may affect a policy anfd the number of providers willing to offer cover, particularly in the case of living with other students.

Is my room covered by university insurance if I live in halls of residence?

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.

Will all my personal belongings be covered by a student policy?

It is best to speak with the insurance companies and get comparison quotes as some will offer more flexibility than others. This is particularly beneficial if you only wish to insure certain specified items.

How will the cover work during the vacations?

It is advisable to read through your Terms & Conditions and check the period of validity. You may not always be covered for vacation periods and it could depend upon your living arrangements.

What other benefits are there for taking out student insurance?

It is best to check with your insurer but some of the additional benefits to be gained from a student policy are:

  • Cover for your tuition fees in case of illness or accident
  • A dedicated student helpline 24 hours a day
  • Cover for legal expenses
  • Accidental damage cover

Is there a recommended method of estimating the value of my contents?

One of the ways to do this is list all the items you will have in your possession when occupying student accommodation and simply add up the total value.

As an alternative you can use our easy contents calculator.

What does new-for-old cover mean?

If you need a replacement for a lost, stolen or damaged item, this type of cover means the item will be replaced at the cost of a new purchase, rather than the current value..

If this doesn’t suit you, you can usually take out a policy which covers the actual value of the item, which will be less than a new purchase. This will reduce your premium but you will need to take into account that a claim is less likely to meet the cost of a replacement.

What about cover for items such as bikes and musical instruments?

It is best to either read through your Terms & Conditions and check this out or speak directly with the insurers. Different companies will include cover for bicycles and instruments whereas some insurers will ask for an extra payment as an add-on to cover such items. As an alternative you could consider specialist bicycle insurance.

For answers to any further questions, see our Student insurance guides.

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