Student’s Contents Insurance – Do I Need it for my Student Accommodation?

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  • Student’s Contents Insurance – Do I Need it for my Student Accommodation?

Students can be prime targets for crime especially around fresher’s week. Young people tend to move on mass in cities and they are thus open targets. Research has found that almost 46% of students don’t have any form of contents insurance.

 

Given the statistics we have got above it is safe to say that students do need contents insurance. The good news is that you may already have cover.

 

It may be that you have cover under your parent’s contents insurance. You should check to see if this is the case. Whilst it isn’t common to be covered some policies do cover it.

 

If you do not currently come under their insurance policy, it is worth asking your parents to call up and get a quote. It may be cheaper for them.

 

Please bear in mind that there may be an excess on your parents’ insurance. Thus, this might be higher because they have added you on to it.

 

How does contents insurance work?

 

Contents does exactly what it says! It covers the contents of your student accommodation in the case of loss.

 

The most basic student cover will cover your belongings if they are in your house or halls. But extended cover could include beyond this. This will protect you from theft, loss, general damage, earthquake, lightening, falling trees and water damage.

 

You can often add more protection to cover your possessions when you are out of the house. But you need to make sure that your provider does this.

 

What things do I need to know about my policy?

 

These are some items you need to know about your policy: –

 

  1. It will have an excess – this is an amount that you agree to pay on any claim and it gets deducted from the pay-out. So, for instance if your excess is £300.00 and your claim is £900.00, they will only pay you out £600.00. It is important to understand thus that if your claim is for £299.00 you will be paying for it all.

 

  1. Can a high excess be a bad thing? – This is a matter for you what type of excess you have but the higher it is the less the premium is. You also need to check what type of items you have. For instance, if you only have small value items. Then it is unlikely that a high excess would be good for you as it wouldn’t cover anything for you. It is a matter for you to look at. If for instance. You are always losing and damaging belongings and unlikely to have spare cash to cover an excess. Then you need to look at policies that have a much smaller excess at any one time.

 

  1. What if some items would cost extra to protect – bikes, laptops and other high value goods. Often must be added onto the contents policy particularly if you tend to carry these around and want to be covered. Accidental damage is also something that isn’t covered on the policy so you would need to check this.

 

  1. How much does contents insurance cost? – The most important thing of all is to understand what you are paying for when you are dealing with a policy. After all you need to know how good the deal is. It is no good taking out a cheap policy that doesn’t cover you for anything.

 

How to save on contents insurance

 

Shop around – it is important that you shop around and get lots of quotes from different companies. Looking at compare the market you need to understand that often any provider that is on this site will be paying them to get to number 1. You need to shop around on the internet to get the best price.

 

  1. Do some haggling with your insurer. It is fine to haggle with an insurance company. You might find that they would be willing to bring their premium down. Especially if you can show that you do have an alternative that is cheaper but you prefer to go with them. Not all companies will do this but it is something that you might want to consider.3. Consider what you want to insure.

 

  1. If you are not worried about an old phone and don’t need to cover them then it is a cost that you may not have to incur. It depends on how much it will cost you to replace them.

 

  1. Look after your possessions. Whilst this might seem common sense if you are super careful with your stuff and don’t lose it then you may never have to make a claim. Therefore, your insurance will eventually decrease. The more claims you make the more increases.

 

  1. Pay up front. If you can afford to pay up front then you will find that your policy will be a lot cheaper. Rather than paying it on a direct debit that you find that interest is added to.

 

  1. Read the small print! It is so important that you read the small print and understand what exclusions are on your policy.

 

Who does students contents insurance?

 

There are various companies that do this they are as follows: –

 

Buzzvault – they are one of the cheapest insurers around currently and are very student based.

 

Endsleighs – Endsleighs are one of the only student’s contents provider that are supported by the National Union of students.

 

They have various options available depending on what you want to protect but you can choose to insure pretty much anything. The price is usually monthly but can dictate how much cover you want and what your circumstances are. They also have a rare bonus of insuring students for non-forced entry thefts ie. Where somebody in the house may have taken it.

 

It is a matter for you.

 

Protect your Bubble.com. These suite to young people as they are for the cheapest cover on individual gadgets. We believe that they offer discounts on the internet.

 

Your bank – contents cover is often added as an incentive by several High Street banks when taking out an account. It does tend to cost a little more each month than if you went with another company. But some of the banks have special offers to their existing customers, so it is worth looking at them. You may find that they will be much easier to deal with.

 

Your mum and dad’s policy – yes, it is worth looking at your mum and dad’s policy to see whether they will be able to cover you. You might find that they can extend the cover and thus can end up costing you nothing through the bank of mum and dad.

 

The internet – There are so many providers out here we have not been able to list all of them the best thing to do is to look and shop around to see what is the best possible price as well as the correct cover for you. Good hunting on your content’s insurance for your student accommodation in Brighton.

 

We have previously written an article on general Student lettings information. This could help you. Click here.

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google-review Review
Cat Westmacott
Cat Westmacott
17:57 10 Jun 24
Generally helpful for Lettings. As with any company, sometimes need a push for a response, but often easier to speak on the phone than email. Feeling hopeful for the next year’s contract with Harringtons🤞.
Kirsty Turner
Kirsty Turner
20:50 04 Jun 24
Great experience. Everyone is so lovely and helpful over the phone at Harringtons! The best experience we have had with a letting agent in Brighton, none of the other agents in Brighton have been bothered to keep in touch and help us find a property as much as these guys. A special shoutout to the lovely lady who showed me around the flat (Georgie I believe -sorry if I got that wrong), great at answering all my questions and been very lucky in securing the first property we viewed with her (an amazing spacious flat that has everything we need - including nice storage space for our paddleboards!) Looking forward to moving into our seaside home. Thank you!
Shadan B
Shadan B
23:31 30 May 24
Great experience, very helpful staff and friendly. I wish you all the success. Thanks for your care. 💐😊
Rachel Roberts
Rachel Roberts
21:13 30 May 24
Best experience I've had with a letting agent!
Charley Besant
Charley Besant
10:25 30 May 24
So far the process with Harringtons has been amazing. We viewed 3 properties with Georgie and each time she was so informative and kind, she gave us the time we needed in each property to look around, take videos and ask questions about everything. The whole process has been easy so far and I can now happily say we found our property thanks to Georgie and the team at Harringtons.
Ainhoa Negro
Ainhoa Negro
09:15 30 May 24
Georgie at Harringtons Lettings in Brighton has been exceptional throughout my rental process. From the very beginning, her professionalism and friendliness stood out. She provided clear and prompt communication, ensuring all my questions were answered thoroughly. Georgie made the entire experience seamless, from viewing properties to finalizing the paperwork. Her attention to detail and genuine care for my needs made me feel confident and supported. I highly recommend Georgie and Harringtons Lettings to anyone looking for a top-notch rental experience in Brighton.
PRBL1
PRBL1
09:11 30 May 24
Joel Starcross
Joel Starcross
15:22 29 May 24
Beth has been an excellent agent, great communicator and enthusiastic member of the team. Highly recommended!
Jess Pond
Jess Pond
13:16 29 May 24
Had an absolutely awful experience with this company. Told me one thing on the phone and then told me another thing on email. Very mixed messages. Left 7 students homeless by putting the house back on the market with only 24 hour notice. Will never use them again. AVOID!
Roisin Lilley
Roisin Lilley
11:42 24 May 24
I recently had some problems with my previous agent and came to Beth for help! She took over the correspondence for me and sorted everything out for me! I can’t thank her enough for her patience and help!! I’d highly recommend her to other landlords that need help!
Chris Lilley
Chris Lilley
11:26 24 May 24
I’ve been a tenant with Harringtons Lettings for a while, they are great, they always sort out any issues I have quickly and efficiently, Beth in particular is really helpful and I’ll be going to her for my next rental property when I look to move in September!
Georgina Palzeaird
Georgina Palzeaird
11:21 24 May 24
Beth Roberts was a huge help when I needed to switch to a new letting agency. She was friendly and efficient and I’ve always felt I’m in safe hands.
Eliya Halim
Eliya Halim
10:26 24 May 24
Top service
Maryana Atiya
Maryana Atiya
10:20 24 May 24
Rees Harper
Rees Harper
17:53 21 May 24
Lauryn Keller
Lauryn Keller
15:20 03 May 24
Georgie was great on our viewing - super lovely, informative and honest. Thank you!
Sammi Richmond
Sammi Richmond
09:16 24 Apr 24
Well, they just contacted me via email asking for a review for money... so here, I guess.Does 3 stars get me that tenner? Probably not. Nothing terrible to say, but never had any issues with the property really. Don't enjoy that they were willing to pay for reviews though, seems sketchy.UPDATE: As the business has finally replied to my review 6 years later, I thought I would mention that I indeed have the email still as proof. Offer of £10 for a review, and to mention Rachel Erridge in the review. Also a prize of £200 to one lucky winner. The email was sent from the Harrington's admin email address. I can email the proof to whoever requests it.
Jayden Charles-Frempong
Jayden Charles-Frempong
01:20 18 Apr 24
Every interaction I've had so far with Harrington has been positive with workers responding to calls very quickly and addressing any queries efficiently.
severin severinov
severin severinov
10:05 11 Apr 24
It is very good that they do their job professionally and take care of the customers.
kate quick
kate quick
13:15 09 Apr 24
I am very happy and extremely grateful to have found Harringtons lettings and the beautiful flat that I am now living in. Not only is the flat perfect for me, ticks all the boxes and is in a great location; the whole communication/admin process was so fast and efficient. I spoke to many of the team, but the two main contacts initially were Georgie and Beth. Great personalities, friendly and fast at replying to emails and phone calls. It was all turned around very quickly and everyone at Harringtons seems to appear to really be happy in their jobs. Great letting agent and I would recommend them to others looking for a new home.
Michael Hollamby
Michael Hollamby
12:32 09 Apr 24
Having worked with many many lettings it has been refreshing to deal with such a dynamic and energetic team. From start to finish the team have outstanding. Special mention to Beth who has been fantastic. I can thoroughly recommend using Harringtons.
Celyn James
Celyn James
17:08 27 Mar 24
Great experience, Georgie was so knowledgeable and kind with any enquiries I had. Really put me at ease while house hunting, amazing service thank you so much!!
Madison Harris
Madison Harris
14:29 27 Mar 24
Georgie was so helpful and really kind very appreciative x
Amber-Rose Cook
Amber-Rose Cook
08:58 22 Mar 24
easy to use and navigate as a first time user
Buffy Vaughn
Buffy Vaughn
18:06 21 Mar 24
Harringtons have been so helpful so far. Everyone we’ve spoken to on the phone including Georgie have been so warm and receptive and easy to communicate with. As a couple renting together for first time me & Danny couldn’t have found better people to help us out, they’re clear and concise. We discovered them through Rightmove and would highly recommend anyone to use their services to rent with.Thanks guys!Buffy & Danny
Sajan Raja
Sajan Raja
01:48 21 Mar 24
Kerryn Johnson
Kerryn Johnson
16:58 18 Mar 24
Georgie was absolutely amazing! Very helpful, easy to talk to and all in all an absolute sweetheart. Made the process of renting and finding a property less stressful. Always happy to help and lovely to chat to!Thank you again for everything!
Julia Reinstein
Julia Reinstein
11:22 18 Mar 24
5/5 - Everyone I’ve spoken to on the phone has been so friendly and patient with our move in documents. We found Harringtons through Rightmove, and have been really happy with our interactions. The team respond to queries efficiently and are happy to answer any and all questions.
Andrew Brown
Andrew Brown
07:09 15 Mar 24
A really excellent agency, who are very easy and friendly to deal with. Highly recommended.
Rob Rainbird
Rob Rainbird
18:04 13 Mar 24
Lovely staff and all round positive experience - Georgie is an absolute diamond and a credit to the team!
Tori Tor
Tori Tor
11:15 08 Mar 24
Harringtons have been really helpful and very swift with their responses. Georgie was very proffesional and really friendly when she did the viewings with me and Beth on the phone was again really helpful and gave me hope when I was explaining my eagerness to find somewhere new to live. Thanks Harringtons!
christos papanicolaou
christos papanicolaou
09:33 07 Mar 24
Staff were brilliant. Very helpful
Yasmin Bright
Yasmin Bright
20:54 01 Mar 24
I'm in a difficult situation at the moment with my landlord wanting to sell the flat that myself and my 3 children have been living in for 7 years. I came across Harringtons Viewings by applying to view some properties outside of my area.Unfortunately I haven't been able to sort anything with Harringtons, however I wanted to write this to say that they have been nothing but kind, warm and very understanding of my situation. I've been really impressed by their customer service (namely Georgie & Beth) and hope that they are able to find me something eventually!Thanks so much.Yasmin
Tegan
Tegan
17:30 22 Feb 24
Have been very accommodating and helpful when calling agents. They have been very helpful in being able to secure a house for students.
TheFlyingCrocodile
TheFlyingCrocodile
16:42 21 Feb 24
Went above and beyond to get things sorted for me
Brittany Stace
Brittany Stace
11:18 24 Jan 24
Harringtons have been incredibly helpful and supportive of us as new renters and they have been super efficient in getting all of the documents sent through and signed in such a short period of time. Thank you!
Georgie Prebble
Georgie Prebble
20:36 05 Jan 24
Jade Innes
Jade Innes
10:24 04 Jan 24
So far the service has been good. The staff are very friendly and quick to respond to any questions and requests.
Polly Smith
Polly Smith
11:17 28 Dec 23
we chose this letting agents as they chose a good bills company that is much cheaper than other agents. When viewing houses the staff were very friendly and have been very helpful in answering our questions and making the process as easy as possible.
Emma Howe
Emma Howe
16:06 14 Nov 23
I would rate Harringtons Lettings a 5/5. Very lovely on the phone and very quick and easy to communicate with via email. Any problems have been resolved in no time at all. So far so good!I found Harringtons via Rightmove.
Akwisitions Feedback
Akwisitions Feedback
16:25 30 Oct 23
Very responsive and super helpful throughout the process. Highly recommended!
Chloe Ballard
Chloe Ballard
17:28 02 Oct 23
Although I have only been renting with Harringtons for a short period of time, I have had nothing but a positive experience. From viewing to admin updates. The admin team especially are very polite and quick to respond and I have no doubt that the rest of my tenancy will run smoothly. I would recommend to anyone considering renting in brighton.
Matthew Ball
Matthew Ball
11:46 19 Sep 23
Professional communication with tenant although entirely impersonal. There was a bigger disconnect in their communication with the landlord in most cases, which seemed to be either slow or non-existent (discovered after contacting the landlord directly).Property was full of spider webs on day 1 despite apparently being professionally cleaned. Took a day off of work to clean it on move out day, leaving it cleaner than when it received but still had to pay part of the deposit for professional cleaning.It has been a while since I have rented, but I'll avoid letting agencies completely now if this is anything close to the average renting experience.
Ronan SK
Ronan SK
12:38 12 Sep 23
Great professionalism/communciation from the start up until the end of my tenancy. Definitely set the standards for what agencies should be like. Highly recommend to those within Brighton.
Daniel Sutton
Daniel Sutton
10:29 24 Aug 23
I have rented with Harringtons Lettings before and have always found the agents to be quick, efficient, friendly and helpful. I loved their service so much I have chosen to rent with Harringtons again. Faultless 😊
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