Am I covered under my parents’ home insurance?

Naomi Soanes

When you’re preparing to move to university for the first time, insurance probably isn’t at the top of your priority list. However, it’s important to make sure your belongings are protected. It’s likely that you’ll not only have a phone, but also a laptop, as well as all of your other belongings, and unfortunately accidents do happen – especially during the excitement of freshers’ week. But are you covered under your parents’ home insurance, or do you need to take out your own policy?

Your parents/guardians’ home insurance

There is sometimes the option of covering your belongings under your parents’ home insurance policy whilst you’re away at university. However, not all home insurance providers will offer this, so it’s worth making sure. If they do, your parents will likely need to give their insurance company a call to extend their policy, and to double check exactly what is covered.

Whilst this is generally cheaper for students themselves, it’s not always beneficial for your parents. A claim under your parents’ home insurance could increase their annual premium at renewal next year. Not only this, but the excesses are also usually higher on home insurance than on a student possessions policy. That isn’t factoring in the potential cost involved with adding your items onto the policy in the first place, if they aren’t already covered.

It’s also worth considering whether your parents’ home insurance will cover you away from your halls of residence (if you took your laptop to a lecture, for example). It could well be that your parents policy will only cover your items whilst they are in your room – so again, it’s a good idea to check this with their insurance provider to make sure you’re protected for every scenario.

Student insurance

There are lots of insurance options available specifically for students that protect you as you enter the world of university. Whilst it may seem like an easy option to assume you’re covered under your parent’s home insurance, taking out your own policy gives you total control over your insurance. It allows you to amend the types of gadgets on the policy, meaning you don’t have to give the policyholder a call every time you upgrade – you can do it yourself. It’s also beneficial in that you can select your own cover, giving you the option to add on accidental damage – a life saver for students on a night out!

Find out more about our student insurance options.

However, aside from obtaining cover under your parents’ home insurance, or taking out your own policy, you might also want to check what cover is being provided by your halls of residence. More often than not, your university will provide an element of insurance for your items whilst you’re living in halls. However, this usually only covers your belongings whilst they’re in your room, so it will be worth exploring what options are available to protect your items whilst you’re out and about.

Read our disclaimer

Naomi Soanes

Naomi Soanes is a Digital Engagement Executive in our marketing team.

Related articles

Surviving life in a shared house

Rachel Weaver

Moving into a shared house with a group of your closest friends is a refreshing change after your first year in halls. Rachel Weaver, a student at the University of Leeds, has provided some tips on surviving life in a shared house.

Moving away from home

Betta Living

You’ve been accepted into your dream university, bulk-bought your essentials and are raring to go. There's a few things you may not have thought about before you make your first big move away from home.

What to do on arrival day

Pia Neave

Arrival day is one of the biggest days of your time at university and it helps to be prepared. To get you ready for the big day, we’ve put together a few useful pointers to help things go smoothly.

Living in halls

Olivia Hinkley

Before moving into university halls, you probably have an idea of what life in student accommodation will be like. Here are 5 things you might not expect about living in halls.

Decorating your student home

Pia Neave

After a year in halls, moving into a student house can be really exciting. Here are five ways to decorate the space you’ll be calling home for the next year, without getting out that paint roller (you don’t want to upset your new landlord now, do you?)

;