HELP= Home Insurance required (Student living with partner)

laurenzo99

hoping I can get some good advice as I am going crazy trying to find a decent home insurance quote.

So far I have been turned down from various different insurers for a variety of reasons including;

- Being a student
- Living in a flat (be it a self-contained, purpose built flat with a block of 4- ground floor)
- Being under 18 when I purchased the property (I am now 20)
- Living with my partner (we are engaged and some insurers dont seem to accept this as 'family')

I have been offered a quote from Privilege (at £186.90) which includes accidental damage to both buildings and contents- which i DO want.

Here is what I need
Buildings- 110000 rebuild
Contents- 20000
2 student teachers (couple)
I own my property outright
No subsidence, trees, flooding etc...

Really just wondered if anyone had any advice on WHO to go to for insurance or whether 'family' covers myself and my fiancee and whether if a policy does not mention employment or students I would indeed be insured as a full-time student

THANK YOU!!!

laurenzo99

Just an update- phoned privilege and they say that we wouldn't be covered as we are BOTH students.

No mention of this in their full policy T+C

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how do they get away with it!?

jerczu

Try saxon insurance - they have really good and very cheap insurance for students. And I dont think they make problems that you live with someone else. https://www.saxoninsurance.com - They quoted me for £30 odd pounds when Endsleigh recommended by my uni wanted over 160 for similar cover.