Advice sought on insurance for a few items worth £3,000

malcolmwilliamson

Does anyone have advice for my son?
He lives in furnished + rented accommodation and has a few items (e.g. guitar, Laptop, DVD player) of sufficient value to insure.
He estimates a total of < £3,000.
He's tried the two household insurance search sites recommended by Martin but finds that companies have a minimum contents cover of way above this figure.
I've suggested going to A-plan, a highstreet broker.
Any other tips, especially from people who've faced and solved a similar insurance problem, would be welcome.

Astaroth

There is a basic cost for having insurance basically, if you go for specialist product then generally you still have the same basic cost and you then lose the economies of scale. I would strongly suspect that going to specialist will be more expensive than getting the lowest price home insurance.

Is your son at university/ college? Some home insurers will cover kids possessions whilst they are away from home studying as standard.

Vindiesel

i agree with teh previous post- many insurers will add on an extension to a home-owners policy that they will cover their children while at University.
Some ocmpanies charge, others don't. Check with your insurer- you could save you son a small wedge of cash!

If not applicable, why doesn't he just get quotes from the mainstream insurers anyway? If they cover for say £15k cover, but he only needs £3k, then whats's the problem assuming the premium is low?

EDIT- Try https://www.homelet.co.uk

They covered me a while back in a furnished property and they let you specify a small amount of cover eg £2.500, £5.000 etc

HTH

V