Don't rely on Mum and Dad's 保険

By Ed 修道士 for Thisismoney.co.uk
Updated:

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Thousands of students beginning their university careers will rely on their parents home 保険 to cover 価値のあるs 含むing 動きやすいs, stereos and laptops ? but a ４半期/4分の1 of all 政策s on the market will not cover students.

政策s from 主要な 保険会社s such as Asda, Barclays, 海軍大将 and Halifax will not cover the 所有／入手s of students living away from the family home.

によれば comparison website MoneyExpert.com, some 26% of the 196 home contents 保険 政策s on the market do not 含む cover for student 所持品.

And the problem is getting worse with each new intake of students. The 国家の Union of Students 報告（する）／憶測s that more than 10% of students have experienced 国内の break-ins. Students typically live in 貧窮化した areas within big towns and cities and 70% of student accommodation is unattended in the holidays.

The problem of polices not covering students is 構内／化合物d by 除外s in 政策s that mean 保険会社s will not 支払う／賃金 unless 窃盗 is the result of a 軍隊d 入ること／参加（者）.

Veronica King, 副／悪徳行為 大統領，／社長 of 福利事業 for the 国家の Union of Students, says: 'Many students believe they do not need a specialist 所有／入手s 政策 as their parents' home 保険 政策s will cover them. However, your parents' 基準 contents 政策 isn't always enough and may 井戸／弁護士席 have 除外s which will leave you unable to （人命などを）奪う，主張する.

'This is often the 事例／患者 when it comes to 'walk in' 窃盗s where a 夜盗，押し込み強盗 hasn't 現実に broken into a 所有物／資産／財産. 予定 to the communal nature of university accommodation, even if you lock up, your flatmate might not, so you should always 確実にする you are covered for these types of 状況／情勢s.'

NUS advice to students now 含むs locking your bedroom door - even when you are going to the kitchen or bathroom.

Find out more about student 財政／金融

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Endsleigh is the NUS's recommended 保険会社 for students. Endsleigh insures individual items rather than a whole 所有物／資産／財産 and can cover items stolen during muggings.

Other 保険会社s that 供給する cover for children within parents' cover 含む More Than, Lloyds TSB, Direct Line, Norwich Union, Tesco, Esure and Saga.

Some 政策s may have 限界s on the 量s paid out to 取って代わる 損失d or stolen items. About 13 per cent of 政策s 限界 cover to £3,000.

With students routinely in 所有／入手 of laptops, 動きやすいs and expensive stereo and sound 器具／備品, 限界s can be reached very quickly. Polices that 含む 制限のない cover for student 所有／入手s 含む Cheltenham & Gloucester and 示すs & Spencer 首相.

Sean Gardner at MoneyExpert.com, says: 'As more and more students take expensive personal 所有／入手s away to university they need to be sure 正確に／まさに what cover they have and buy extra 保険 where necessary.'

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