Do University Students Need Insurance?

If you're lucky enough to be going off to university with a shiny new laptop or tablet to get down to some hardcore studying, you need to make sure you've got your equipment insured for worst-case scenarios.

Before you fork out on insurance cover, you could check your parents' home insurance policy, as your possessions may automatically be covered against theft or loss under its 'temporarily removed from the home' section while you're a student.

The cover usually only applies while your contents are in your accommodation, and as long as your parents' home is your main permanent address. Check the policy wording for any exclusions and check with your parents they don’t mind you using their policy. 

If you need to cover any devices such as laptops, mobile phones, or equipment for your studies you can ask your parents to get an ‘add on’ to their existing home contents policy. This would cover your personal belongings while away from home. 

It is worth noting that some halls of residence include a contents insurance policy when you pay rent. They’re usually not the strongest of policies but it’s worth checking if it’s included in your rent and reading the documents to see how you're protected.

If you can’t use your parents' insurance or you don’t have it included in your rent, your next option would be to take out gadget insurance or specialist equipment cover depending on what you need to be covered. 

We simplify gadget insurance with fixed premiums and fixed cover. Get in touch with us to find out how quick and easy it is. 

If you require insurance for specialist equipment insurance the best option is to call us directly! 

We can provide advice on covering nearly anything and the best option to keep you and your equipment protected! 

Drop us an email at info@foruminsurance.com or press the green telephone phone icon on the right and we'll call you back!