Student contents cover
Most students don’t have money to burn, so they scrimp and save where they can. But going without home contents insurance could be a false economy. It could end up costing you more in the long run to replace possessions lost in a burglary, house fire or through vandalism.
This is why we offer protection for student home contents as part of our regular home insurance cover.
Students are covered under your policy!
If you’re a parent with a son or daughter studying away from home, you can take out a BACB's home contents insurance policy for your own home and you’ll receive the added bonus of covering your child’s possessions at the same time.
Offered as standard
In addition, ‘student contents at university' cover is not an optional extra – it just comes as standard (limits apply: up to £5,000 on BACB Home Insurance, and up to £10,000 on BACB Premier Cover Home Insurance). So you don’t need to pay more money for it, there’s no additional organisation required and no extra fuss. What could be more convenient?
Learn more about BACB home insurance policies.
What's covered
Your BACB home insurance policy can cover loss or damage to contents that your child takes to university/college, to the value of:
BACB Home Insurance - maximum £5,000
BACB Premier Cover Home Insurance - maximum £10,000
Contents to consider:
- Laptop/tablet device
- Downloaded information
- Camera equipment
- Games consoles
- Hair straightners
- MP3 players
The value of these items can really add up, and being left without a laptop which is crucial for studying could be more than just an inconvenience.
Things to bear in mind
- Make sure the student residence is secure, and belongings are kept in a safe and hidden place when it's empty.
- If laptops, MP3 players etc are regularly used outside the home (e.g. lectures, the library) having personal possessions cover in place could also be a life saver. This provides protection for loss, damage or theft for items taken outside the home, and is included as part of our Premier cover (or as an additional extra on the standard policy).
Personal Possessions cover
There are limits as to how much we will insure for an individual item or collection as part of our Personal Possessions cover. These limits are shown below:
| BACB Home Insurance (optional extra) | BACB Premier Cover Home Insurance (as standard) | |
|---|---|---|
| Single item - pedal cycle | Up to £500 | Up to £1,000 |
| Single item - other | Up to £2,000 | Up to £4,000 |
Please see our policy booklets for more information on what is covered, and any exclusions that may apply.
