Contents Insurance

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future
Posts: 168
Joined: Sat Jul 20, 2013 11:31 am

Contents Insurance

Post by future »

Any advice from anyone regarding arranging contents insurance for DS at halls in Uni?
KB
Posts: 3030
Joined: Tue Mar 04, 2008 3:28 pm

Re: Contents Insurance

Post by KB »

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.
hermanmunster
Posts: 12817
Joined: Fri Sep 15, 2006 9:51 am
Location: The Seaside

Re: Contents Insurance

Post by hermanmunster »

some hall fees include insurance - worth checking if this is the case.
Hera
Posts: 856
Joined: Mon Feb 22, 2010 3:50 pm

Re: Contents Insurance

Post by Hera »

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.
marigold
Posts: 656
Joined: Tue Sep 22, 2009 3:14 pm
Location: essex

Re: Contents Insurance

Post by marigold »

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.
wonderwoman
Posts: 511
Joined: Thu Oct 23, 2008 11:07 pm

Re: Contents Insurance

Post by wonderwoman »

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.
KB
Posts: 3030
Joined: Tue Mar 04, 2008 3:28 pm

Re: Contents Insurance

Post by KB »

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.
Guest55
Posts: 16254
Joined: Mon Feb 12, 2007 2:21 pm

Re: Contents Insurance

Post by Guest55 »

My DS has insurance included in Hall fees; it is quite common.
goinggetstough
Posts: 48
Joined: Tue Dec 29, 2009 3:54 pm

Re: Contents Insurance

Post by goinggetstough »

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.
hermanmunster
Posts: 12817
Joined: Fri Sep 15, 2006 9:51 am
Location: The Seaside

Re: Contents Insurance

Post by hermanmunster »

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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