Insuring Possessions at Uni Advice to Parents and Students

Have you got an offspring departing for college or university? There are always a host of things to think about, however the one that is often overlooked is insurance. OK, you have to insure the basics like pans and pots, towels and sheets - but addititionally there is the TV, computer, electronic games and stereo. Amazingly, it's estimated that the average value of the gear is about 4,500 pounds.



Within their first year they may be in halls, where statistics show there's less likelihood of burglary. Problems may arise if the student swaps universities at the last minute. Accommodation can be a problem, as halls may be booked up and the very best rented houses and rooms taken.



If you are involved in searching for accommodation, you should choose a place near to the college or with good transport links. Ensure that each door and window has a strong lock and that window locks may also be good quality. If the security of the windows and doors is a problem, but otherwise the property is acceptable, you need to ask the landlord whether he will remedy the situation.



If the house is shared, check who'll take responsibility for the principle keys. Needless to say your kid should take responsibility for the keys to their own room. Electrical items ought to be marked with the address of the brand new accommodation and students registration number. Special marking pens can be used, which make the facts invisible. It really is prudent to prepare a list of property being taken, plus a full description, photographs of the most valuable items and the serial numbers.



No doubt you have nagged them before about checking that the windows and doors are secure on leaving the house. That is especially important after dark. Ground floor rooms are particularly at an increased risk, so make sure that valuable items, just like the television and computer are kept out of sight, where this is possible. Valuables and cash should be hidden away.



Opportunist thieves and burglars know when student property will probably be unoccupied, so it is well worth the trouble of bringing valuable items home for the holiday season. For students surviving in halls, it will probably be one of the conditions, as the accommodation can be utilized for a summer school.



Belongings must be insured adequately, despite the fact that they may be included on your household policy. Insurance will not cover you for walk-in thefts, when items disappear without evidence of doors and windows having.



Some insurance policies are specially tailored to match certain requirements of students. Many factors affect premiums including the value of the goods, the location of the accommodation and whether it's privately rented. If the student is residing in halls of residence, the premiums ought to be cheaper. The easiest way to find insurance cover is to search the internet, in which a broker will know where to find the very best deals and discounts. The student union may also have information on local insurance brokers specialising in cover for students.

Your kid is off to university, go to Brokers Online to get a quote for Home and Contents Insurance [1]. Brokers Online offers helpful articles and information about Home and Contents Insurance. We are able to provide our customers with quotes forever Insurance [2] and several a lot more Insurance products.