Find contents insurance to protect your valuables if you’re a student living in halls or a shared house.
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Student contents insurance covers your belongings while you’re studying away from home.
Your family’s home insurance might cover you while you are at university, but it may not offer the best cover. If it doesn’t, or if you just want extra protection, you can use our comparison to see student contents insurance from every provider across the UK.
To get the best policy, think about:
which items you want to protect and how much they are worth
what extra cover would be useful, such as mobile phone insurance
what is excluded
Most student policies offer the same cover as standard contents insurance and can also include the following extras if you study away from home:
Gadget cover: protects valuable items such as your laptop, mobile phone or tablet
Musical instrument cover: protects your instrument against damage and theft
Room key cover: if you lose your room or house keys, this covers any costs incurred and can pay for a locksmith
Tuition fee cover: pays for your rent and tuition if you are unable to continue your course following illness or an accident
Check each policy carefully to see if these benefits are included as standard or if you can add them for an extra cost. You need enough cover to replace all your belongings if they are stolen or destroyed – add up the total value to see how much cover you need.
When comparing policies, check the terms and conditions carefully to see what is excluded. Common exclusions include:
theft with no sign of forced entry – for example, if someone living with you steals your tablet
break-ins if you do not have an approved lock on your door
cover during term holidays
any item over a certain value, such as £1,000
Once you know how much cover you need and what exclusions to watch out for, compare as many policies as possible to find the best cover at the cheapest price.
Some insurers offer extras to improve your level of cover. Common add-ons include:
personal possessions cover
Any extras you add increase the cost of your premiums, but you may save money overall if you need to make a claim for an item that would not otherwise be covered.
Yes, as long as you are in full-time education at a university or college in the UK and have no criminal convictions.
No, student policies are for people living in halls of residence or rented accommodation while studying.
Not if you live in shared accommodation or halls of residence – it is the responsibility of your landlord or university to cover the building.
Probably. Some policies include it as standard, or you may have to add gadget cover to protect it.
Compare quotes to protect your home with the right cover.
By comparing home insurance, you could save money on the policy. The best value Home insurance will offer the cover to your home and content. Choose a cover plan from the best UK home insurance companies and see the online discounts they offer.
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Last updated: 18 May 2022