Your son or daughter might not be the only valuable leaving your home when they go to university or college. Likely to go with them will be the tools of their trade which, these days, includes more than your hand-me-down sandwich toaster. Belongings such as laptops, MP3 players, clothing and sports equipment are standard issue for many students but their value is often overlooked when it comes to student insurance.
Even if they stay at home during their studies, students are likely to acquire new equipment such as laptops. Can you be sure that your existing home insurance policy will cover the value of their new belongings? Hiscox Home Insurance will automatically provide student contents insurance, covering theft of the student’s belongings if force or violence is used to break in to their residence. It also offers free access to safety information for students planning a foreign trip as well as advice on dealing with identity theft and credit card fraud.
Why you might need to consider student insurance
- Students’ belongings – laptops, MP3 players, clothing – are often worth much more than you think
- Your existing home insurance may not cover a student’s belongings at their own residence
- Student’s belongings can get damaged or lost when regularly transporting them between their residence and your home
- Student residences can be less secure and more vulnerable to theft.
How Hiscox Home Insurance provides insurance for students
- Under a Hiscox Home Insurance policy, students’ possessions are automatically covered whether they are living at the insured home or away from home in student residences.
- A Hiscox Home Insurance contents policy automatically covers students’ belongings against loss or damage, up to £2,500 for each incident, even while they are away from home
- Digital downloads including music, video and photographs are covered up to £2,500
- Bicycles are covered up to the value of £250, even while they are away from the home
- Other possessions are covered up to £1000 for each item or pair
- Students’ belongings are also protected when being moved between your home and their residence
- Access to travel safety information from international security experts Control Risks is also provided – ideal for those students planning a foreign travel trip.
If the unfortunate should happen and a studying member of your family suffers a loss, our knowledgeable and efficient UK-based claims team will quickly be on the case. So why buy separate student contents insurance when a Hiscox Home Insurance contents policy would cover your home and students’ belongings both home and away?
To find out more about Hiscox Home Insurance, see our policy documents >
