Chucky Mama Posted September 12, 2012 Share Posted September 12, 2012 Has anyone taken out student insurance? I know that halls are covered to a degree but I am just wondering whether is is worth getting cover for things like theft & loss (outside Halls) and accidental damage in and outside Halls. ES may well be travelling to and from places on the tube with ipad and mobile phone plus the room contents (including desktop) are pretty much only covered for theft and not accidental damage Quote Link to comment Share on other sites More sharing options...
Cinnamon Posted September 12, 2012 Share Posted September 12, 2012 Does your own household insurance cover this - mine does,both for last year in Halls & for this year in her own house. Might be worth checking Quote Link to comment Share on other sites More sharing options...
The Dogmother Posted September 12, 2012 Share Posted September 12, 2012 Yes, that's my understanding too. Quote Link to comment Share on other sites More sharing options...
Chucky Mama Posted September 12, 2012 Author Share Posted September 12, 2012 Hmm, I will have a look, I assume that as he wasn't going to be living at home that he wouldn't be covered. Quote Link to comment Share on other sites More sharing options...
Looney Posted September 12, 2012 Share Posted September 12, 2012 I always used to take out my own insurance as a student. It wasn't very expensive (though in those days we didn't all have high-tec gadgets or laptops etc). However you insure, please check the small print. Some policies only insure belongings that are in bedrooms that have individual locks or won't include shared areas. Others tried to back out of claims for damage or loss due to third party if they were invited into a house OR if you couldn't prove that other housemates hadn't given them permission to access. Saying that, there were some good policies available too. Quote Link to comment Share on other sites More sharing options...
CatieB Posted September 13, 2012 Share Posted September 13, 2012 Yes I took my own insurance out too. At my university there were stands at the freshers fair. How sad am I that I remember my policy was with Endsleigh (As I recollect they did specific student policies) Quote Link to comment Share on other sites More sharing options...
CatieB Posted September 13, 2012 Share Posted September 13, 2012 Oh and they still do it... heres a link http://www.endsleigh.co.uk/Student/Pages/student-possessions.aspx?agent=09099 Quote Link to comment Share on other sites More sharing options...
Chucky Mama Posted September 13, 2012 Author Share Posted September 13, 2012 Thanks CatieB, I had seen that company, they seem to specialise in student insurance. I think I might get a quote. I think that I am most concerned about losses or theft on the Tube etc. I might do it for the 1st year and then take stock. I will contact my existing insurance company first to see if he is covered but I can't imagine that he is as he wont be living at home Quote Link to comment Share on other sites More sharing options...
merlina Posted September 13, 2012 Share Posted September 13, 2012 (edited) Are you sure their stuff in halls are covered? Most (well our halls) doesn't cover any personal stuff at all There's also the (very common) problem of thefts by other students (depending what the halls set up is) and many insurances won't cover where there's no forced entry etc. I would recommend the endsleigh packages as they're designed especially for student set-ups Edited September 13, 2012 by Guest Quote Link to comment Share on other sites More sharing options...
Egluntyne Posted September 13, 2012 Share Posted September 13, 2012 Mine all had their stuff covered with Endsleigh. Quote Link to comment Share on other sites More sharing options...
Looney Posted September 13, 2012 Share Posted September 13, 2012 Endsleigh! That's who I was insured with too! Quote Link to comment Share on other sites More sharing options...
CatieB Posted September 13, 2012 Share Posted September 13, 2012 Yes but why do I remember??? I graduated in 1995 Quote Link to comment Share on other sites More sharing options...
Ain't Nobody Here Posted September 13, 2012 Share Posted September 13, 2012 I remember too and I graduated in 1983 . Quote Link to comment Share on other sites More sharing options...
Looney Posted September 13, 2012 Share Posted September 13, 2012 I graduated in 2001...still a fair while ago! Quote Link to comment Share on other sites More sharing options...
Ms Marple Posted September 14, 2012 Share Posted September 14, 2012 They are NOT cheap though! £238 for a quote the other day. I think I am going to do add-ons to our house contents which is what I did with older son- that was cheaper. Quote Link to comment Share on other sites More sharing options...
Ain't Nobody Here Posted September 14, 2012 Share Posted September 14, 2012 I'm just sticking to the Uni halls insurance and keeping my fingers crossed . Quote Link to comment Share on other sites More sharing options...
Chucky Mama Posted September 14, 2012 Author Share Posted September 14, 2012 I have just got him insured with Endsleigh, I thought it was worth it for the first year at least. The Halls insurance is pretty basic and really only covers things if there is a forced entry, fire or flood. So, I have covered ipod, ipad, watch which was 18th birthday present, any gadgets but decided not to cover his mobile. I have also included loss of key/swipe card (can loose it 3 times per year!). All items covered inside and outside flat, overseas (30 days) and includes accidental damage (including water), theft and loss. Cost £66.40 for the year. I didn't think that was too awful. Excess £50 except the key thing which is free. It is worth it for me as it will hopefully avoid the "oh for goodness sake!" phone call Quote Link to comment Share on other sites More sharing options...
Ain't Nobody Here Posted September 14, 2012 Share Posted September 14, 2012 That seems pretty reasonable . Quote Link to comment Share on other sites More sharing options...
Looney Posted September 15, 2012 Share Posted September 15, 2012 That does seem reasonable. From memory I used to pay £35/40 but that was over 10 years ago! Quote Link to comment Share on other sites More sharing options...
