Insurance For Students

[dinki]

My daughter is living in a shared house with a locked bedroom but wants insurance as she cannot afford to loose things like her laptop etc. The others in the house are not interested so she will have to go it alone. Does anyone know of companies that do this type of insurance.

Any help appreciated.

[Cloverjo]

My student son used a company called MendIt to insure his laptop against theft and accidental damage for £45 for the year. Not sure if it covers loss as well, but there are plenty of other companies that do. Endsleigh is the traditional insurer for students.

[BigMac]

Check your own contents insurance - my son covered on ours whilst at university, as long as his principal residence is our home when not at college.

[MargoTester]

I am pretty sure big mac is correct - check with your insurer

[jno]

be careful, if anything goes missing the insurers may just try to blame her flatmates

http://www.telegraph.co.uk/finance/personalfinance/insurance/11118093/Insurer-turned-down-burgled-sons-1800-claim-because-he-is-a-student.html

[VHG]

I am surprised the other students are not interested in insurance because theft from students is very high and many lose laptops, tablets, smartphones and so on.

Just search under "theft of student laptops" to see articles about it.

Maybe consider buying a small safe to have in the room, you can get them from Staples for example.

If you cant stop the theft then take steps to reduce the damage caused by the theft.

Make sure all important student work on the laptop is "backed up" to an external hard drive (or in the cloud) and the external hard drive stored separately from the laptop.

Then if the laptop is stolen you wont lose all the important work.

Also on a smartphone install software so that the smartphone can be "wiped" remotely.

So if the smartphone is stolen you run some software and this deletes all the personal data off the phone. It may be the software can also "lock" the phone and make it unusable but I am not sure about that.

Make sure any insurance company you use knows they are a student and share the house with other students.

Also check with the university to see it they work with a particular insurance company.

[bednobs]

endsleigh were the traditional student insurers

[Peter Pedant]

In the seventies we couldnt get insurance
and I dont think the situation is much different now

turning down any claim seems to be step 2....