Why choose Howden for Student Contents Insurance?
When it comes to getting students their contents insurance, we at Howden pride ourselves on doing the heavy lifting, so you don’t have to.
Thanks to the great relationships we have with specialist insurers, including Endsleigh who provide students content insurance for over half a million students via their accommodation, we are able to make the process of compiling various quotes, on student’s behalf, simple and easy. What’s not to like?
We also know that each policy needs to be as individual as its owner, and that’s why we provide a personalised service, focused on getting to know students and finding out exactly what they want from their insurance policy.
All in all, whether you need to make a claim, purchase a new policy, or renew an existing one, just know that we’re here to help.
Benefits of working with us:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
Do students need Contents Insurance?
Ultimately, the decision to purchase contents insurance as a student is circumstantial and entirely up to them. A student could base their decision on the value of their belongings, the level of risk that the belongings face and how comfortable they are with assuming potential losses.
As well as that, factors such as policy coverage limits, exclusions, and premiums should also be considered, especially for students on a budget! An insurance broker can provide clarity around these factors, however, which might help make the decision a little easier.
What we can guarantee here at Howden though is that our student contents insurance, courtesy of Endsleigh, is a cover that’s designed for students, made quick, easy, and flexible. A policy can also make sure that you’re not left out of pocket should anything unexpected happen to the things you couldn’t live without. After all, not only is it a hassle to replace belongings after a mishap, it can also be expensive.
Contents insurance for students - how does it work?
To put it simply, student contents insurance is a policy that’s specifically designed to protect the possessions and belongings of students whilst they’re living at university. Often first year students have insurance provided to them through whoever is providing them with their accommodation, but for 2nd year, 3rd year or Masters students, they would need to get their hands on their own student contents insurance policy in order to get some form of protection for their belongings.
Generally, the way this type of contents insurance works is if something happens to your possessions, whether they’re damaged in a fire or flood, lost or stolen, this policy will cover the cost of getting those possessions replaced or repaired. There’s also ways you can upgrade a policy will add-ons, including cover in case you lose your keys, or to cover the cost if anything were to happen to your university books, and much more.
When browsing your policy options, it’s also important that you make yourself aware of what potentially isn’t covered under student contents insurance. This might include any cover for items taken outside of your student accommodation, cover for devices that are over a certain number of years old, or cover for any cosmetic damage that doesn’t impact how the items actually works.
Ultimately, each insurer’s policy will be different in terms of their coverage, so that’s why it’s important that you have 100% clarity around how a student contents insurance policy could potentially provide cover for your belongings. Our team here at Howden can help you do that, comparing a range of specialist options coming from the insurer’s we have relationships with.
How much is student contents insurance?
Determining exactly how much your student contents insurance will cost is not straightforward, mainly because of how many factors insurers need to consider when it comes to calculating premiums.
But what are the factors that could influence your premium? They include:
- The location of your residence
- Whether you are residing in a house or student dormitories.
- The extent of coverage required.
- Any valuable items necessitating separate inclusion on the policy.
The best way to find out for sure how much your student contents insurance policy will cost is to compare your options, or speak to an insurance professional or broker. When you speak to a member of our team you can get the help you need find a student contents insurance policy that not only ticks all your boxes, but also works with whatever your budget is.
Are students covered by parents’ home insurance?
As you transition away from your parental home, you might discover that your possessions are no longer included in your parents' or guardians' home insurance policy. And even if they’re still covered, the provided protection may not meet your specific needs.
For instance, your belongings might only be insured when they’re inside your university accommodation, and not while you're out socializing with friends or attending lectures, and that might leave you wanting more for your belongings.
With that in mind, we’d recommend that you speak to your parents and get a clearer understanding of the extent of coverage that your parents’ home insurance policy offers. That’ll help you to make a decision regarding what type of contents insurance would work best for you.