BIBA (British Insurance Brokers Association) web-site

Insurance for Student Personal Possessions

Personal possessions insurance for Students in a Flat, Bedsit, Shared Accommodation, Halls of Residence or if you live in Sheltered Accommodation and require insurance then you can find a suitable policy here.

Policy Cover

The policy provides personal possessions insurance cover for people living in bedsits, halls of residence e.g. students or sheltered accommodation, excluding the first £25 of any claim for damage caused by:-

Fire	Theft or Attempted Theft
Escape of Water	Storm or Flood
Impact	Malicious Persons

And also covers

Legal liability to the public £1,000,000

Landlord's contents (£1,000)

Lock replacement following theft.

Main Exclusions

The first 25 of any claim

Bicycles are not insured unless inside the home at the time of loss

Property away from your residence is not insured unless you have 'All Risks' Cover

Mobile phones are not insured, nor is breakage of sports equipment in use

Accidental damage to your property is not covered

Cover for CDs/records/cassettes is limited to £100

The highest value for any one item e.g. computer is £750

Valuations or receipts will be required for any items worth more than £250.

Premiums

Premiums depend in the sort of accommodation in which you live. Sheltered accommodation is cheapest followed by halls of residence. The rates apply anywhere in the UK. For flats, bedsit or shared accommodation the premium depends if you reside within a city limits. If you do the premium is higher than if you reside in a town.

The type of property you live in	The level of contents cover you require	The cost to you (Inc IPT)	All risks £250 Add:-	All Risks £500 Add:-
Sheltered Accommodation	£2,000	£24.15	£10.50	£21.00
(anywhere in UK)	£3,000	£33.60	£10.50	£21.00
	£4,000	£37.80	£10.50	£21.00

Halls of Residence	£2,000	£42.00	£15.75	£31.50
(anywhere in UK)	£3,000	£52.50	£15.75	£31.50
	£4,000	£63.00	£15.75	£31.50

Flat/Bedsit/Shared	£2,000	£36.75	£21.00	£42.00
Accommodation	£3,000	£47.25	£21.00	£42.00
NOT in a CITY	£4,000	£57.75	£21.00	£42.00

Flat/Bedsit/Shared	£2,000	£52.50	£26.25	£52.50
Accommodation	£3,000	£68.25	£26.25	£52.50
INSIDE CITY LIMITS	£4,000	£78.75	£26.25	£52.50

NB Premium for personal possessions insurance does not depend on post-code.

From November 1st 2007. All premiums will be subject to a policy fee of £15.00. This is charged by AUL, NOT B. Portwood & Co Ltd

Please note that certain house insurance policies can be extended or provide cover already. We recommend you check the cover your parents have as very often it may be better than these sort of policies.

To apply for personal possessions insurance and to go on cover- (including halls or residence, sheltered accommodation and bedsits) -

Apply for a proposal form for personal or student possessions insurance

Landlords insurance

If you are a student wanting to travel during a gap year and need travel insurance we can provide very good rates.

Home insurance related links

landlords insurance