Student Insurance extension query

oscarward

Hi

Our son is off to university in a few weeks, the halls of residence has insurance from endsleigh which cover things like

£4,000 cover for things in your room against theft, fire, flood and burst pipes
Desktops, laptops and computer equipment in your room up to £2,000
Sports equipment up to £1,000 & musical instruments up to £600 in your room
Visual & audio equipment such as televisions and CD or DVD players in your room

I don't think he will take his laptop on his travels but for a extra £15 I can extend the insurance cover to include accidental damage in the room which I think is a more likely scenario.

Anyone done this, is it worth it?

I've seen reviews slating Endsleigh. Am I better going elsewhere?

Many Thanks

huckster

Hi

Yes it is worth looking at all the student policies that are available.

If you google ' student possessions Insurance' you will find find a large number of companies that can supply this.

The selling point of Endsleigh, is the 'walk-in' theft cover, which is suited to the type of accommodation. But care still needs to be taken, as Endsleigh will still decline claims if people have been careless e.g. leaving windows open, when they have gone out.

You could also enquire with your own Home Insurers, what cover they will provide and what terms/conditions would apply. Sometimes this is not a good option, as your own premiums could be affected, should he need to claim. Then I suspect, he would be looking to you, to pay the relevant excess. So you might therefore think a separate policy would be a better option.