guitar laptop covers

guitar laptop covers

Insurance For Students

With A-Levels looming and university applications out of the way now is the time that people start to think seriously about which university they are going to go to. Many will be travelling around the country attending differnet open days and trying to work out which is the best for them.

A recent survey of current students has found that this generation of students has taken an average of £1,400 worth of possession to university with them, and next year’s intake will only push this number up. Personal possessions are growing in value and the likes of MP3 players, laptops, musical instruments and even clothes don’t come cheap.

This makes universities prime targets for thieves and burglars. A number of British universities have relatively old apartment blocks with downstairs windows that don’t match up to modern safety requirements and even without breaking and entering it’s very easy to be let into a block claiming to be someone’s friend.

For that reason, whilst it might not be the first thing that leaps to mind, it’s important to have proper insurance when you go to university. You might find that your possessions are insured under your parents home insurance policy, but you should make sure before you go. If they are not many universities have close connections with specialist insurers who can offer you good deals, but that doesn’t mean that they’re the best out there.

Additionally, any insurance policy that you get should only be for one year, most students at most universities live in private accommodation in their second and possibly third years and this poses different insurance implications.

Many landlords will have their own buildings insurance. That means that your insurance only has to cover your own possessions. Unless you’re on very good terms with your housemates it’s best to get coverage for your own room rather than the value of the entire house’s contents. You don’t want your own policy premiums to be raised because your housemate has an expensive guitar.

If you talk to an insurance provider more often than not they will be able to help you out, but if you have particularly expensive items it might be cheaper to have them insured individually rather than included in the costs of your own contents, as single expensive items can lift the premiums quite significantly.

Theft is one of the main dangers to students, particularly second and third years, and nothing can be more disruptive to your university career than suffering a theft. Co-Operative Finance are one company who are offering good home insurance deals at the moment and might be the ideal place to look for a good policy.

About the Author

Simple, straight forward home insurance cover from The Co-Operative Insurance.

“You And I”-Ingrid Michaelson (Guitar Cover)

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