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 Post subject: Contents Insurance
PostPosted: Mon Sep 30, 2013 8:48 am 
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Joined: Sat Jul 20, 2013 10:31 am
Posts: 168
Any advice from anyone regarding arranging contents insurance for DS at halls in Uni?


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 Post subject: Re: Contents Insurance
PostPosted: Mon Sep 30, 2013 9:15 am 
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Joined: Tue Mar 04, 2008 2:28 pm
Posts: 2356
Make sure you go with a specialist policy that covers the communal living situation and clarify if theft from an unlocked room is covered.

There is a longstanding student insurance company that you can find on line. Check if DC received any discount vouchers at freshers fair.

Also check policy details for individual items like laptops and musical instruments when being used away from the room.

Would also think through when you would actually make a claim. Apart from the excess there is the issue of having to declare the claim on renewal - possibly including for the family home.


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 Post subject: Re: Contents Insurance
PostPosted: Mon Sep 30, 2013 9:44 am 
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Joined: Fri Sep 15, 2006 8:51 am
Posts: 8113
some hall fees include insurance - worth checking if this is the case.


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 Post subject: Re: Contents Insurance
PostPosted: Mon Sep 30, 2013 10:19 am 
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Joined: Mon Feb 22, 2010 2:50 pm
Posts: 533
My nephew had to make a claim after an incident at Uni last year. He was with the well know student insurer and it was dealt with quickly and efficiently and everything that went was covered.


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 Post subject: Re: Contents Insurance
PostPosted: Mon Sep 30, 2013 10:49 am 
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Joined: Tue Sep 22, 2009 2:14 pm
Posts: 612
Location: essex
When I phoned my household insurance company to enquire about this for my daughter I was told that it was already included in our policy.
May be worth checking that your ordinary policy doesn't have this somewhere in the small print too.


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 Post subject: Re: Contents Insurance
PostPosted: Mon Sep 30, 2013 4:26 pm 
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Joined: Thu Oct 23, 2008 10:07 pm
Posts: 501
Our household insurance with the NFU also includes all belongings for members of our household when living away from home and enrolled at a educational establishment.
Brilliant cover - phone stolen out of DD's bag, one phone call and told to replace immediately. The phone shop offered an upgrade to iphone 5, which the NFU also OKed over the phone. Sorted in less than 5 mins.


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 Post subject: Re: Contents Insurance
PostPosted: Mon Sep 30, 2013 4:44 pm 
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Joined: Tue Mar 04, 2008 2:28 pm
Posts: 2356
Even if your home insurance covers students away from home its worth checking the consequences of claiming - on future premiums and when you have to declare the claim(s) when taking out any new policies.
It could be better in the long run for them to have their own policy - although if they return to live at home they could bring their claims history with them anyway :)

Not an insurance expert! just points that worth considering.


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 Post subject: Re: Contents Insurance
PostPosted: Mon Sep 30, 2013 4:54 pm 
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Joined: Mon Feb 12, 2007 1:21 pm
Posts: 11936
My DS has insurance included in Hall fees; it is quite common.


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 Post subject: Re: Contents Insurance
PostPosted: Tue Oct 01, 2013 6:32 pm 
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Joined: Tue Dec 29, 2009 2:54 pm
Posts: 48
Do check with the specific policy but a number of the insurance policies that are included in Hall fees only cover contents when they are in the Hall. So laptops etc are not covered when you take them to lectures unless you pay an extra premium.


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 Post subject: Re: Contents Insurance
PostPosted: Tue Oct 01, 2013 6:39 pm 
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Joined: Fri Sep 15, 2006 8:51 am
Posts: 8113
goinggetstough wrote:
Do check with the specific policy but a number of the insurance policies that are included in Hall fees only cover contents when they are in the Hall. So laptops etc are not covered when you take them to lectures unless you pay an extra premium.


Agrred , but really it is a good reason for not taking the laptop to lectures!

Am quite surprised how few use the old pen and ink to take notes these days :wink:


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