Contents Insurance whilst at Uni

[dizzyday07]

My DS is off to York to Uni. As he's going with his girlfriend they are renting a tiny flat together.

Can anybody recommend the cheapest best place to get some contents insurance? Would our house insurer be a good place to start or are there specialist insurers for students?

[CMOTdibbler]

Endsleigh are the specialist student insurers, and v good

[mollymole]

check on your own insurance - some insurance companies have a value that can be set against your student son's property whilst he is at uni - and it does not increase your own policy cost - i am with direct line and it is included with them but you have to ask so they can mark it in their records

[dizzyday07]

thanks ladies. our own insurance wouldn't cover him because he wasn't in halls.

We went with Endsleigh with a joint policy - but for just £3k of cover the cost was half what we pay on our 5 bed house for both building and contents cover!

[mollymole]

our insurer does cover my sons goods even though he has never been in halls, always privately rented - it is worth asking around the insurance companies because quite a few do this but don't tell you unless you push
not any use to you now but a thought for the future

[unitarian]

DD's stuff was covered on our policy whilst in hall. She's moving into a privately rented flat now so a policy with Endsleigh is the best value - covers legal disputes with landlord and, for extra, insures a couple of valuable musical instruments. It works out at £12 a month all told including the instrument insurance.
She and her flatmates might ultimately be better off getting a housesharers' policy but that was too complicated to do long-distance this year.