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Going
to College or University or are you already there? Do
you have insurance for
your possessions in your room or rented flat or house? It
is essential if you are living in digs, a flat, shared accommodation, student
house or a hall of residence. What happens if your personal possessions are stolen
or destroyed? Can you afford to replace them? The cost of insurance is extremely
small if you compare it to the replacement cost should the unexpected happen.
Is
your laptop insured?
or
Think
about the cost of replacing a cd player (the cds as well), your computer, clothes
and other personal belongings, even you bike! You really don't want to have to
add these costs to your student loan. (see the section at the bottom of this
page) What
happens if this occurs on the landlord's carpet? 
Students
should look at their insurance needs now....More
Here Time
to think about University or College.. Don't forget Student insurance Article
on jml insurance Blog.......More Here
 
Did
you know that the average cost of a student burglary is £900? The most commonly
stolen items are personal laptops / computers and other electrical goods. Homelet
will cover loss or damage to personal possessions
in your home and anywhere in the world, all for the equivalent price of a pint
of beer or a glass of wine per week! For
further information, click on the Homelet
Logo below (and scroll down their page to Tenant's insurance) : HomeLet
is a trading name of Barbon Insurance Group Ltd, Registered Office: 4-9 Highview,
High Street, Bordon, Hampshire, GU35 0AX, England who are authorised and regulated
by the Financial Services Authority in the UK. Their FSA Register number is 308724.Jeffrey
Milner Ltd T/A jml Property Services acts as introducers to HomeLet jml
Property services are  agents
To
help your budget you can of course pay your premiums monthly. Remember:
A Homelet Tenants contents policy is portable so if you move from Edinburgh to
Ealing you can take it with you
(Please check with Homelet regarding conditions regarding this) If
your parent or guardian (or budget provider!) are paying your accommodation costs,
suggest to them that they take a look at this site. To email this page
Copy here and paste it onto the body of the email you are sending it to
Student
Possessions Endsleigh
is an independent insurance intermediary operating a panel of insurers for both
motor and home insurance. In addition, Endsleigh offers a range of specialist
insurance products including landlord, rent guarantee, tenants and bicycle insurance Student
contents insurance from Endsleigh can be tailored to cover all the items that
you take to university. Build a policy that insures just one item, or a policy
that covers your bike, laptop, iPod, camera, DVDs and much more.
- Get
laptop cover and insure the rest of your room from just £8
- Cover
your mobile for just £3.33 per month
- Cover
your bike at university from just £30 a year
- Endsleigh
is approved by NUS
- They
insure loads of students - that means big discounts
- They
have been insuring students for 40 years so they know what you need
Student
Motor Insurance Click
Here 
Tenants
Endsleigh
provides specialist cover for those people living in rented accommodation. 
- Cover
available from just £3,000 worth of contents
- An
individual / couple's possessions can be covered within a multiple occupancy property
- Cover
for landlord's contents for which you are legally responsible for
- Option
to cover personal effects away from the home
- Option
to pay monthly
Bicycle
Insurance Endsleigh
offers specialist insurance to cover your bike against theft and accidental damage,
whether you own a mountain bike or family shopper. 
- Cover
against accidental damage and theft in the UK
- Up
to 30 days cover in Europe automatically included
Endsleigh Insurance Services Limited is authorised and regulated by the Financial
Services Authority. This can be checked on the FSA Register by visiting its website
at www.fsa.gov.uk/register/home.do
Endsleigh Insurance Services Limited. Company No: 856706 registered in England
at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE 
Student
Motor Insurance Endsleigh
specialise in student insurance and search a panel of leading UK insurers, offering
immediate cover
• Fast claim turnaround •
Free 90 day European driving cover •
Guaranteed replacement car with comprehensive cover •
Legal cover up to £50,000 to help recover your uninsured losses
Jeffrey
Milner Ltd T/A JML Property Services acts as an introducer to Endsleigh. Endsleigh
Insurance Services Limited is authorised and regulated by the Financial Services
Authority. This can be checked on the FSA Register by visiting its website at
www.fsa.gov.uk/register/home.do
Endsleigh Insurance Services Limited. Company No: 856706 registered in England
at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE
Average
undergraduate has more than £3,500 worth of belongings in student digs
Details Here Students
with more than £3,500 worth of belongings - Blog Sep 09 Details
Here Going
to University? Take a look at this NatWest Press Release - NatWest Student Living
Index 2008 Details
Here and
Student accommodation costs an average of
£75 a week - Halifax Reseach
Details
Here and
Don’t forget your student insurance – Parents
must make sure they arrange cover Details
Here and
One
in four home insurance policies do not provide any cover for students living away
from home Details
Here
See
also Student
Credit Card Debt: A Survival Guide for Students
Going
on a holiday? Thinking about traveling for a while? Click on the logo below for
further information about direct travel
insurance. 
Need
Motorcycle insurance? Click on picture below 
Looking
for Car Insurance for Students? Click on logo 
Renting
a car? Have you thought of taking out car hire excess insurance? Click on the
logo below for further information 
New
to letting or renting? Take
a look at our landlords
advice - Tips
for landlords and tenants
advice and Tips
for tenants guides Why
do I need Landlords Insurance? and
Article
on Landlord Insurance Student
Accommodation Guide
at jmlproperty services site see
also Credit Scoring & Credit References
The
Property Challenge for Students More information
CLICK
HERE
Top
Information
for Students on Tenants Contents Insurance
This is something that is often overlooked, especially those who have never rented
before. For someone who has paid the first months rent plus a deposit and administration
fees to the university, college, letting agent or landlord direct in order to
move into the property, insurance is the last thing on their mind.
Recent studies have shown that less only 1 -20 tenants have any contents cover
at all. Although a conventional home contents policy will give a basic degree
of cover for most insured perils it is not specifically designed for tenants and
there can be some major gaps in the cover you need. Often the minimum sum you
can insure for will be far in excess of what the tenant needs, typically a minimum
of £10,000 - £12,000.
Most specialist tenant policies will provide the tenant with cover starting from
£2,500 upwards and will usually cover accidental damage that you may cause to
the landlords fixture, fittings, buildings and contents. Should the student /
tenant accidentally damage the carpet with a wine stain or hot iron or a work
surface with a hot pan mark, these events will be covered. Usually the tenancy
agreement will make the tenant legally liable for such damage, any damage found
at the time of the check-out will be deducted from the deposit or security bond.
If the tenant has adequate insurance these events will be covered, thereby protecting
your deposit.
If a Tenant has a loss through, burglary, fire, flood or other insured peril,
which has damaged their contents and have no insurance for their personal possessions
they are then left with the cost of replacing the items themselves.
Any items of personal property (clothes, furniture, computers etc) a tenant takes
into the property it is their responsibility to insure. Most policies will give
an option for basic cover which can usually be extended to cover high risk personal
items which are taken outside the home, on holiday or Worldwide i.e. Cameras,
sports equipment, clothes, jewellery etc.
In certain high-risk inner city post codes there will usually be a requirement
to have minimum-security locks on doors and accessible windows. Do also take into
account the conditions of insurance policies, regarding keeping windows and doors
secured when the Tenant is not in the property. For further information click
on the appropriate insurance company logos on this page. N.B.
This information should not be relied on for accuracy and is presented here without
the responsibility of jml Property Service and the website it is being displayed
at. ©jml property Services 06-05 DEPOSITS
From April 2007 under the 2004 Housing Act
Landlords will no longer be able to hold deposits with AST tenancies unless they
have them registered with a specific scheme. See
Tenancy Deposit Scheme _____________________________________ Information
for landlords letting or thinking of letting a House in Multiple Occupation (HMO)
- New Rules for Landlords - Anti-Social Behaviour Act (Scotland) 2004
-
Click Here for
further information Top
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