House insurance + cover kids at Uni

Ant555

Ref: Home insurance covering Kids at Uni.

This September my home insurance renewal coincides with having 2 children away at Uni (private rented shared house accommodation not halls) so I am thinking it might be a good time to see if I can find one policy that covers everything.

I have been trying to work out which policy/policy type/policy extras would cover their stuff when at Uni - As they are adults, would I simply add them as named people on the policy and select cover for items away from the home?

The LV web site says that their policy 'Might' cover students belongings but when I do a quote, there is no specific question or mention about students or university.

Can anyone point me in the right direction please?
Thanks

paddyandstumpy

It's not usually info they capture, the policy wording will just have an extension.

Usually minimal cover, £5,000 per claim, no A/D cover, no valuables cover and with a forcible entry condition.

sheramber

Our insurance covered my son in a Uni flat as long as he had a lock on his door.

Ant555

Just to add to this thread incase anyone else searches in the future.

Admiral 'platinum' policy includes cover for uni students as described by @paddyandstumpy above and items (including lap tops) <£1000 are covered and do not need to be specifically declared.

@sheramber - I asked the question as both mine are in shared houses with no locks on the internal doors - I found the idea of no locks to be strange but according to my children, it seems to be very common in their two Uni cities (even the norm) nowadays.

davidwatts

As well as considering whether there is adequate cover for their possessions, both in their accommodation and while out and about, you may also wish to consider the liability aspect.

There would not usually be any cover for their liability as occupiers whilst staying away from home, or for any liability they may have in respect of damage to their student accommodation. You may feel that risk is not worth worrying about but it's worth bearing in mind.

I believe there are specific student policies available that would cover those risks.