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Student Possessions Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

Are there any types of student possessions that you cannot cover?

Unfortunately we cannot offer cover for mobile phones, white goods, iPad's, iPods, tablet computers and MP3 players.

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Can I arrange my student insurance cover in advance?

Cover can be arranged up to 90 days in advance.

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Can you cover my flat mate on the policy?

We can only cover the named individual in the policy schedule.

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Do I need to fit locks to my room?

No, you don't need to fit any additional security. However, you have a 'duty of care' to take all reasonable steps to prevent accidents, loss and damage.

  1. View our Security Requirements PDF

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How much cover do I need on my student insurance policy?

Many students underestimate the value of goods they have taken away to university. When choosing the level of cover remember to include the value of musical equipment, TV equipment, camera, domestic appliances such as kettles and toasters, and personal items such as clothes, shoes and jewellery. The total sum to insure may add up to more than you think!

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What is the maximum sum insured?

We insure student possessions between £2500 and £8000.

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What is the single item limit?

The single item limit is 25% of the sum insured.

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Where are my belongings insured?

Your belongings are insured whilst they are at: (a) your term-time address, (b) your parents' home(s) and in direct transit to and from home during the university holidays.

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Who can apply for student insurance cover?

Full-time students studying at college or university in the UK.

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Why do I need student insurance?

It's a sad fact but students are high risk targets. Many suffer from some form of crime during their time at University or College. Research suggests that 1 in 4 students will be a victim. With students owning on average £3000 worth of possessions many could not afford to replace these items if they suffered from a burglary.

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