Contents insurance is not a legal requirement in the UK for anyone, including students. That being said, you might want to consider taking out a contents insurance policy as a student anyways.

Contents insurance can protect your possessions against insured risk such as water or fire damage. If one of those risks occurs and you’re not covered you might end up with a large bill (imagine that on top of your tuition fees!).

Also, you might want to think about your landlord’s contents as well if you live in a furnished apartment. Most insurers offer the option to add a tenant’s liability to your contents insurance, which then also covers your landlord’s possessions and you can live worry-free.

We know that most students live on a budget, but don’t worry, contents insurance isn’t necessarily expensive: find your personal cover from £2.71/month* with Getsafe.

When you take out contents insurance for a student house, you should pay attention to who is covered under your policy. Whether it is just you, the policy holder, or anyone living at the address, that is insured in your contents policy is entirely dependent on your insurance provider. Some insurers offer the opportunity to cover family members or partners under your policy, but not your flatmates. Before taking out contents insurance for your student house you should therefore check with your provider if your flatmates can actually be covered under your policy too. With Getsafe you can now insure family members, partners and up to two flatmates under your contents insurance - perfect for student life!