Student Possessions Insurance - Insuring the Contents of Your Room

In the UK each September, 350,000 new students embark off to university to begin a university career. The latest research shows that these same students will graduate three years later with average debts of Ł14,000.

Students know keeping a tight grip on finance while studying is essential, if you are to finish your course with your personal finance under control.

Student room insurance is therefore often overlooked as a non-essential cost. This can be a big mistake.

On arrival at university the majority of students will move into halls of residence. In recent years the standard of security in these halls has increased. However students still face a risk to their belongings being stolen. The lifestyle of a student hall means that early in the term it is easy for a stranger to access the halls and mingle with other students. As everyone is a stranger, one extra goes unoticed.

Many universities now include insurance as a standard package with the room. This rarely covers laptops outside of the room however and students should investigate closely to see if extra cover is required.

In shared accommodation the risks are much higher. By nature of what it is, student accommodation tends to be in the higher crime areas of town. Thieves know which roads and areas contain large numbers of students. These homes are likely to include several laptops Ipods and other portable high value items. Home office research shows that 1 in 4 students are a victim of crime while at university.

Room insurance can be arranged on your parents policy. However many of these policies do not provide cover for 'non forcible and violent entry'. While this sounds like a smallclause, it means that unless someone has physically broken into the property then your items are not insured. Over a third of student thefts do not follow a break in of this type.

Specialist student possessions insurance providers can cover your belongings in halls of residence or shared homes for less than Ł30.

Tim Larden has worked within insurance for almost a decade and is currently employed with Endsleigh Insurance. Endsleigh provide special insurance policies for students and graduates and have been doing so for 40 years.

Student Insurance is one of the specialties of the Endsleigh website. The company is supported and endorsed by the national union of students

MORE RESOURCES:

Concepta Insurance Consolidation Facility Receives DOJ Clearance - MarketWatch

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/1-0fd=Rurl=http://newsblogs.chicagotribune.com/triage/2008/12/health-insuranc.htmlcid=1276133500ei=-cM0SfOmB5jI9ASM7YEjusg=AFQjCNHprxi6yZCvMx8ZgSJOqoYO0zhyagHealth binsurance/b sticker shock hits consumers/abrfont size=-1font color=#6f6f6fChicago Tribune,nbsp;United Statesnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1Health binsurance/b sticker shock overcame Mickey Trznadel when he opened an envelope from Blue Cross and Blue Shield of Illinois earlier this year, b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-1fd=Rurl=http://www.marketwatch.com/news/story/Blue-Cross-Blue-Shield-Michigan/story.aspx%3Fguid%3D%257B5379FA18-BBBE-4084-A40A-AB5CFFB0BDAD%257Dcid=1276133500ei=-cM0SfOmB5jI9ASM7YEjusg=AFQjCNFW_WD_HyGQ_EkmI9D010MxePw4fQBlue Cross Blue Shield of Michigan Answers Attorney General/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-2fd=Rurl=http://www.mlive.com/annarbornews/news/index.ssf/2008/12/blues_michigan_ag_continue_hea.htmlcid=1276133500ei=-cM0SfOmB5jI9ASM7YEjusg=AFQjCNEAUiMKuDm4ww_yJnR96YsD_5htzwBlues, Michigan AG continue health binsurance/b fight/a font size=-1 color=#6f6f6fnobrMLive.com/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-3fd=Rurl=http://www.mlive.com/kzgazette/news/index.ssf/2008/12/blue_cross_blue_shield_of_mich.htmlcid=1276133500ei=-cM0SfOmB5jI9ASM7YEjusg=AFQjCNEt4BT7eqOEyMjozuB0HhnXwFe78wBlue Cross Blue Shield of Michigan continues push for health b.../b/a font size=-1 color=#6f6f6fnobrKalamazoo Gazette - MLive.com/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/1-4fd=Rurl=http://www.freep.com/article/20081201/FEATURES08/81201068cid=1276133500ei=-cM0SfOmB5jI9ASM7YEjusg=AFQjCNF38vfjSOJhGA7nnNPnvZhBPw0IgwnobrDetroit Free Press/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/1-5fd=Rurl=http://www.crainsdetroit.com/article/20081201/FREE/812010270/-1cid=1276133500ei=-cM0SfOmB5jI9ASM7YEjusg=AFQjCNE5-chDTj7fbtVwsKtEcrVq2a_YRQnobrCrain's Detroit Business/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276133500hl=ennobrall 23 news articles/nobr/a/font/div/font/td/tr/table

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