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, include more than just 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?
Many insurers put limits on the cover they provide for the belongings of student family members. Our policy covers the total value of all their possessions against loss or damage caused by theft if force or violence has been used to break in. Hiscox Home Insurance 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 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 transporting them between their residence and your home
- Student residences can be less secure and more vulnerable to theft
How Hiscox Home Insurance cover protects students
Hiscox Home Insurance automatically provides contents insurance for all your student family members, covering theft of their belongings if force or violence is used to break in to their residence.
- No need to list their items
All student family member's belongings worth under £15,000 are automatically covered, whether they're living in your home or away from home in student residences
- Tailored cover for jewellery and watches
Simply include their jewellery and watches when you tell us the total value of cover you need
- Worldwide cover
Their belongings are covered for theft, loss and damage while being moved between your home, their residence and anywhere else in the world – for up to 60 days at a time
- Instant cover for new possessions
No need to tell us about new items worth up to £15,000 – they’re already included
- Digital media cover
Retrieval of lost digital downloads including video and photographs are covered up to £5,000
- Access to travel safety information
International security experts, Control Risks, can offer guidance – ideal if they're planning a trip abroad
- Exceptional claims service
95.53% of customers surveyed who have made a claim would recommend us
(Insight Now, 179 surveys, July-Sept 2016)
If the unfortunate happens to a studying member of your family, simply call our award-winning claims team. If we can't settle your claim immediately, we'll assign a dedicated Claims Underwriter to your case who will handle your claim from start to finish.
To find out more about Hiscox Home Insurance, read our policy documents >