5 Benefits of Contents Insurance for Career Starters
Whether you’re in the office or on a business trip, here’s how you can protect your property.
Starting a career means new responsibilities, a new routine and often a new home. And now that you’re working, it’s even more important to protect your most-loved possessions when you’re out and about. Home contents insurance can help you do this – so you know your stuff is safe while you’re out earning money. This article gives you five simple tips for looking after your belongings.
Before we start, it’s worth mentioning that equipment provided by your employer is usually not covered by your home contents insurance. Employers usually already have their own insurance for items like laptops and computer monitors. To avoid potential disputes with your new boss, our advice is to take particular care with work equipment and clarify any questions with your employer once you start work.
1. Theft at work
Contents insurance can cover your possessions outside the home too. For example, with contents insurance from Getsafe, theft from your place of work is covered up to 1% of the insured sum or 3% if you choose our Premium extension. So if you choose an insured sum of €40,000, you would be covered for up to €400 (or €1,200 with Premium) if something of yours was stolen from work.
2. Business trips
What if your new job requires you to travel regularly? Fortunately, some insurers cover your household contents while you’re away from home. So if you’re staying in a hotel room on a business trip, you can safely leave your valuables in the room while you go out and impress your new colleagues and customers. If your hotel room has a safe, we recommend locking your most expensive items in the safe to keep them extra secure. At Getsafe, we offer you the same protection you have at home for travels up to six months – so you can also take your most-loved possession with you on a well-earned holiday.
3. Working from home
Perhaps you have a room or small office at your home that you use exclusively for professional or business purposes. With Getsafe, your household goods contained in these rooms are protected up to the full insured sum. The only requirement is that this working space is only accessible via your insured home. If you have product samples or goods from your company lying around at home, it’s important to note that these are only insured up to €2,000 (or €5,000 with our Premium tariff).
4. Sharing is caring
Many career starters move home around the time they get their first job. Often, this new home is a rented apartment or a flatshare. These kinds of living arrangements can lead to some uncertainties regarding contents insurance. First, it helps to understand that contents insurance is always calculated for an entire household. This means that even if you are only renting one room in a flatshare, you need to enter the total living space for your whole apartment to receive a quote. Fortunately, with Getsafe you can insure up to five flatmates completely free of charge! Simply add your flatmate’s names to your policy and share the Getsafe app with them so that they can manage their insurance and have mobile access to policy information. And don’t forget to let your housemates know that they owe you one.
5. A seamless transition
If you’ve already got a job lined up and you’re planning on moving to be closer to your new place of work: Congratulations! To help your move go smoothly, our contents insurance covers you provisionally for 90 days while you are moving. So your insurance protection will temporarily apply to both your old and new apartment.
