to College or University or are you already there?
you have insurance for
your possessions in your room or rented flat or house?
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
your laptop insured?
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
happens if this occurs on the landlord's carpet?
Student Possessions and Gadget Insurance
has been the UK's number 1 student insurance provider for
over 40 years and are the only company recommended by the
NUS. Endsleigh offer low cost policies, with a minimum cover
to £2,500 at no extra cost to the student.
policy will cover students in halls or shared accommodation
off campus, even if there is no forced entry into their room.
It will also offer cover for their laptops/possessions both
inside and outside of their rooms.
living in rented or shared accommodation it can be difficult
to find the right level of cover at the right price to insure
your belongings, but not with Endsleigh. Endsleigh covers
possessions from £3,000 to £80,000 and consider themselves
experts in providing tenants insurance. Endsleigh understand
tenants insurance needs and have a flexible range of specially
designed low cost policies.
offers specialist insurance to cover your bike against theft
and accidental damage, whether you own a mountain bike or
against accidental damage and theft in the UK
to 30 days cover in Europe automatically included
Endsleigh Insurance Services Limited is authorised and regulated
by the Financial Conduct Authority.
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.
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
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
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