To get the best contents policy as a student, think about:

  • What items you want to protect, and how much they are worth

  • What extra cover would be useful, like mobile phone insurance

  • What is excluded from the policy

Check to see if your family's home insurance can cover you while you are at university, but be aware that it may not offer the best cover.

If it does not, this comparison shows every UK insurance company that offers student contents insurance.

What do you need to protect?

Most student contents policies offer the same cover as standard contents insurance, and extra cover if you study away from home:

  • Gadget cover: You may need this to protect valuable items like your laptop, mobile phone or tablet.

  • Musical instrument cover: If you play an instrument you can add this cover to protect it against damage and theft.

  • Room key cover: This covers any costs if you lose your room or house keys, and can pay for a locksmith.

  • Tuition fee cover: This covers the cost of your rent and tuition if you are unable to continue with your course following illness or an accident.

Check each policy carefully to see if any of these benefits are included as standard, or if you can add them for an extra cost.

You need enough contents cover to replace all your belongings if they are stolen or destroyed. Add up the total value to see how much contents cover you need.

This comparison shows the maximum contents cover each insurer can offer.

What is not covered

When comparing student policies, check the terms and conditions carefully to see what is excluded from your cover. Common exclusions include:

  • Theft with no sign of forced entry, e.g. 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, e.g. summer or Christmas

  • Any item over a certain value, e.g. a laptop worth over 1,000

Once you know how much cover you need and what exclusions to watch out for, use this comparison to compare as many policies as possible to find the best cover at the cheapest price.

Student contents insurance FAQs


Can I get student contents insurance?


If you are in full time education at a university or college in the UK and have no criminal convictions you can get a student policy.


Do I need student insurance if I still live at home


No, student policies are for people living in halls of residence or rented accommodation while studying.


Will I need buildings insurance as a student?


Not if you live in shared accommodation or halls of residence, because it is the responsibility of your landlord or university to cover this.


Can student contents insurance cover my laptop?


Some policies include it as standard, or you may have to add gadget cover to protect it.

About our home insurance comparison


Who do we include in this comparison?


We include every insurer that offers student contents insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.