Regardless of whether you happen to be staying at university residence or in a rented flat, obtaining a good student content insurance plan is the best way to protect all of your possessions you own whilst studying at college. The insurance policy is often tailor-made to insure all of your items you have at or university. Alternatively you can choose the contents you wish to have insured which in turn will reduce your premiums.
How To Find The Best Policy For Student Contents
You should look at the kind of items you prefer to cover in your insurance plan. Insurance for expensive items like PC devices are a vital element of your insurance cover however it is essential to insure smaller goods because their total worth can increase your premium quite a bit. .
Check what is included in your contents and what is covered i.e. conditions of cover when your apartment is empty and/or during holiday periods. Usually the standard cover won’t insure a house which is not occupied house for more than 35 days.
3 Tips To Save Money With Student Contents Insurance
Security Systems – Verify with the landlord that the property you are going to rent has reliable theft and fire alarm system. Also make sure that all doors and windows are locked properly prior to you leaving the residence.
Minimise or avoid claims – Should you want to remain at university or college accommodation for a number of years then accumulating up a no claims bonus is a good way to reduce your monthly insurance premiums.
Pay a higher excess amount – When you opt to pay a higher excess amount, the premium quote will be reduced. Ensure that you negotiate an amount that you feel comfortable with and that are able to afford should you claim in the future.
