Your son or daughter might not be the only valuable leaving your home when they go to university or college.

To save you the hassle of taking out a separate policy, Hiscox Home Insurance provides complete student insurance cover for all their possessions, including laptops, smartphones, clothing and sports equipment. While the total value of these items is often overlooked when kitting out a student room, insurance at this stage can prove vital in protecting the tools they need for their education and other valuables that make the journey to their student residence.

Why you might consider student insurance

  • The total value of a student’s belongings – laptops, MP3 players, clothing – could be worth more than you think.
  • Your existing home insurance may not cover these items at a student residence.
  • Students often carry expensive portable technology that can be damaged or lost when travelling.
  • Student residences, including shared houses, can be less secure and more vulnerable to theft.

How our home insurance protects students

If you insure your home with us, we automatically provide contents insurance for all your student family members. Our student contents insurance covers their belongings for loss, damage and theft if force or violence is used to break in to their residence.

  • No need to list their items
    Individual items or sets up to £15,000 are automatically covered, whether they're living in your home or in student residences.
  • Tailored cover for jewellery and watches
    Let us know about any special high-value items like jewellery or watches so we can include them in your cover.
  • Worldwide cover
    Items are covered for theft, loss and damage while being moved between your home, their residence and anywhere else in the world – for up-to 60days at a time.
  • Overseas studies
    Students studying overseas receive the same standard cover if they are living in student accommodation as part of their studies.
  • Digital media cover
    We provide £5,000 worth of cover for the student in your family to retrieve lost digital downloads, including video and photographs.
  • Exceptional claims service
    99% of customers surveyed who made a claim would recommend us
    (Insight Now, 249 surveys, Feb 2017 - Jul 2017).

If you or a studying member of your family need to make a claim on your insurance for students at university, simply call our award-winning claims team, where we’ll aim to settle your claim over the phone.

Find out more about Hiscox Home Insurance

Product information
A summary of the key facts and limitations of our home insurance
Download Product information (PDF) - 19000 (09/22)

Policy wording
The full terms and conditions of our home insurance
Download Policy wording (PDF) - 18975 (09/22)

Hiscox UK

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Get student insurance as part of a home insurance policy

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  • Award-winning claims service
  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Speak to one of our UK-based experts. Call us on 0800 247 1902