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Insuring Possessions at Uni - Advice to Parents and Students
Have you have an offspring departing for college or university? T here are always a host of things to think about, but the one that is frequently overlooked is insurance. OK, you need to insure the fundamentals like pots and pans, towels and sheets - but there is also the TV, computer, electronic games and stereo. Amazingly, it's estimated that the average value of the gear is approximately 4,500 pounds.

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

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

If the house is shared, check who will take responsibility for the principle keys. Of course your son or daughter should take responsibility for the keys with their own room. Electrical items ought to be marked with the address of the new accommodation and students registration number. Special marking pens can be utilized, which make the details invisible. It really is prudent to prepare a listing 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 windows and doors are secure on leaving the property. That is especially important at night. Ground floor rooms are particularly at an increased risk, so make sure 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's well worth the difficulty of bringing valuable items home for the holidays. For students living in halls, it will almost certainly be one of the conditions, as the accommodation may be used for a summer school.

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

Some plans are specially tailored to suit certain requirements of students. Many factors affect premiums like the value of the products, the location of the accommodation and whether it is privately rented. If the student is residing in halls of residence, the premiums ought to be cheaper. The simplest way to find insurance cover is to search the internet, in which a broker will know where to find the best deals and discounts. The student union may also have details of local insurance brokers specialising in cover for students.

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