UK Insurance Picker
Four questions to work out whether you need your own policy, or whether your parents’ home insurance or your halls already cover your stuff.
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 gets pushed hard at uni, and freshers’ packs are full of ads for it. Plenty of students don’t need a separate policy.
The two things that actually matter. Does your parents' policy extend to you. Do you own anything expensive enough to justify scheduling. Everything else is marketing.
If you do buy, buy properly
Compare Howden (formerly Endsleigh), Cover4Insurance, UIA and uswitch. Check the exclusions before you buy. A lot of student policies won’t pay out for theft without forced entry, like from a room you left open. Your phone or laptop away from home usually needs a paid gadget or possessions add-on.
For the full write-up, read our student contents insurance guide.
A PDF to go with this, by email
The At Uni pack is mostly about making the January loan payment last until April, and what to do if it doesn't.
Leave the box empty and you'll just get the PDF. Unsubscribe any time.
Updated 2 October 2026 · How we check