UK Insurance Picker
Most people buy insurance they do not need. Four quick questions and we will tell you whether you actually need a separate policy or your existing cover is already enough.
Step 1 of 4
Are you currently a student or a working graduate?
Where will you be living?
Total value of your tech and belongings at uni?
Covered by parents' home contents policy?
The insurance industry wants you scared
Student insurance is one of the most oversold products in the UK university market. Freshers packs and student union emails push it hard because the companies pay commissions. The honest answer is that most students do not need a separate policy.
The two things that actually matter: does your parents' policy extend to you, and do you own anything expensive enough to justify scheduling. Everything else is marketing.
If you do buy, buy properly
Compare Endsleigh (now branded Howden for Students), Cover4Insurance, UIA and uswitch. Read the exclusions, not the summary. Most "student" policies exclude items left in unlocked rooms and away from the property. These are exactly the scenarios where student belongings go missing.
For the full write-up, read our student contents insurance guide.
