Student contents insurance

John_0771

Yea.. £6( I think it is) extra covers your Laptop out and about too.

SuziQ

Some of them will still cover if the door is left open (ie if popping to the kitchen etc) I think it's just a case of looking at all the different ones and comparing.
Certainly not worth leaving it. My daughters UNi doesn't provide any cover and looking at a lot of posts on thestudentroom.com very few Unis od offer cover in room rent.

So far all the quotes I have taken (including the one I just did with HSBC) have come in within £2-3 of one another,so it just leaves the decision of who is likely to give the best service if a claim is made. When you read posts on this,it seems pretty 50/50 re how good/ bad companies are,depending on the expereince of consumers so very very difficult to make a decision.

RachelRa

I think I'm going with Karma insurance.. All the quotes I got were roughly the same (about £150), but I have found Karma to be far more up front about all the conditions and solidly state when they wont pay out .. I like that, I feel like I know where I stand.

linda-ann

Check with your home contents insurance first as my sons things were covered within a clause on my home insurance.

If not it might be cheaper to add to rather than taking a seperate cover out.

Surfbabe

My son went with Endsleigh last year but I've just contacted my house insurers and he is covered up to £5K on my home insurance so we aren't going to take separate cover this year. Halls usually have their own cover to a certain amount anyway.

busiscoming2

I'd say the same as previous posters, check with parents ins first. As someone said Endsleigh insure at a basic level through halls, but if I remember rightly you can pay extra to cover more. If it something like a laptop, my kids insure through ebuyer which seem reasonable and cover for out and about too.

jennifernil

The basic HSBC one looks good, I have noted it for DD for next year, it is £40 less than what she pays Endsleigh, although they have a few extras such as key and legal cover.

DrFluffy

Generally, the best advice is to avoid "student providers" and go down other routes - you often get a much, much, much better deal. A lot of students are also covered by their parents home insurance, don't realise and pay a small fortune for nothing!

Secondly - is £2000 leaving you under insured? It's a common mistake students make. Tot up the replacement value of everything you intend to take with you. Clothes are blinking expensive, as are text books etc. If you lose everything in a fire, will you get everything back?

DrFluffy

Surfbabe wrote: »

Halls usually have their own cover to a certain amount anyway.

Do they??? I'm on my third degree (*ahem* ) and have never come across halls where your stuff is covered by their policy... I've come across students who think that it is though (we had a halls fire in my first year of my first degree)...

andyjb_3

Surfbabe wrote: »

Halls usually have their own cover to a certain amount anyway.

In general, halls insurance only covers university loaned equipment (i.e. stuff that's been borrowed from the library and the department) up to about £2000.

Also, when I was opening a student account, Natwest quoted me £89 comprehensive (walk in cover, laptop cover, legal expenses, etc.) with a £10 excess on claims when i was in the branch, but when I checked later on the internet it was £95 with a £25 excess. Which one should I believe?