Here’s the ultimate guide to students contents insurance from what it is to saving money and getting the best deals.

What is students contents insurance?

Contents insurance protects your possessions – from phones to clothes – inside your hall room, flat or house from theft, floods or fire.

Do I need students contents insurance?

There is no general legal requirement to take out contents insurance, although note that some letting agents may require it as part of your tenancy agreement, however it is STRONGLY recommended.

While you may not think you have anything particularly worth covering, imagine the worst case scenario with a fire devastating your house while you’re out, destroying everything. You’d be left with only the clothes you’re wearing and having to pay to replace EVERY SINGLE THING from the plates in your kitchen to shoes to laptops.

How to save money on students contents insurance

Decide what you want covered

You are not required to cover everything (but bear in mind the worst case scenario above) so you can pick and choose you want to be protected. The less you cover, the lower your insurance premium.

Be accurate

Accurately calculate how much the possessions you want covered are worth. Under-estimate and you could be left out of pocket if you need to make a claim but over-estimate and you will be paying out for more cover than you need.

Pay up front

If you can, avoid more expensive monthly payments and instead pay all in one go.

Consider ditching accidental cover

Most student contents insurance quotes will offer accident cover for an extra fee. This will cover your possessions if they are damaged by your mishaps. This can be handy, if you happen to drop your phone for instance, but may not be essential for everyone. You could also consider taking out separate accidental cover policies for particularly expensive gadgets like laptops you may want to protect.

Avoid claims

While you can’t help a river flooding and washing out your home, you can do your best to prevent day-to-day claims by just being generally being careful around the house, lowering your renewal premium.

Best students contents insurance deals

Endsleigh’s Student Contents Insurance is the industry leader and our recommendation. You can customise your cover to suit your needs, from protection for possessions and gadgets both at home and out, including abroad. Plus, student contents insurance comes with 24 hour replacement cover for things like laptops and phones if you’re in a real pickle.