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Insuring Possessions at Uni - Advice to Parents and Students
Have you have an offspring departing for university or college? There are a host of things to think about, however the one that is often overlooked is insurance. OK, you should insure the fundamentals like pans and pots, towels and sheets - but there is also the TV, computer, electronic games and stereo. Amazingly, it's estimated that the average value of this gear is about 4,500 pounds.

In their first year they may be in halls, w here statistics show there's less likelihood of burglary. Problems may arise if the student swaps universities at the last minute. Accommodation may be a problem, as halls may be booked up and the best rented houses and rooms taken.

If you are involved in searching for accommodation, you should choose a place near to the college or with good transport links. Ensure that each door and window has a strong lock and that window locks may also be top quality. If the security of the windows and doors is a problem, but otherwise the property is acceptable, you need to ask the landlord whether he'll remedy the situation.

If the home is shared, check who'll take responsibility for the principle keys. Of course your son or daughter should take responsibility for the keys with their own room. Electrical items should be marked with the address of the new accommodation and students registration number. Special marking pens can be used, which make the facts invisible. It really is prudent to prepare a list of property being taken, plus a full description, photographs of the most valuable items and the serial numbers.

No doubt you have nagged them before about checking that the doors and windows are secure on leaving the property. This is especially important after dark. Ground floor rooms are particularly at an increased risk, so ensure that valuable items, like the television and computer are kept out of sight, where that is possible. Valuables and cash ought to be hidden away.

Opportunist thieves and burglars know when student property is going to be unoccupied, so it is well worth the trouble of bringing valuable items home for the holidays. For students living in halls, it will probably be among the conditions, as the accommodation can be utilized for a summer school.

Belongings must be insured adequately, despite the fact that they might be included on your household policy. Insurance won't cover you for walk-in thefts, when items disappear without evidence of doors and windows having.

Some plans are specially tailored to match certain requirements of students. Many factors affect premiums like the value of the products, the positioning of the accommodation and whether it's privately rented. If the student is staying in halls of residence, the premiums ought to be cheaper. The easiest method to find insurance cover is to search the internet, where a broker will know how to locate the very best deals and discounts. The student union may also have details of local insurance brokers specialising in cover for students.

Your son or daughter is off to university, go to Brokers Online to obtain a quote for Home and Contents Insurance [http://www.life-assurance-bureau.co.uk/home-and-contents/]. Brokers Online offers helpful articles and information regarding Home and Contents Insurance. We can also provide our customers with quotes forever Insurance [http://www.life-assurance-bureau.co.uk] and many a lot more Insurance products.
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