I need content insurance for the stuff in my rented room. It is worth less than £15k.?

Question

The lower limit for insurance is £15k. My stuff is worth far less than that, but would still be very expensive to replace. How and who with should I insure my personal belongings

Answer 1

Go on line it is worth it the differences are huge,
You also need to see if they do a replacement new for old or you will only get a fraction of the value.

Excess varies from non,voluntary to not worth taking the policy out. The devil is in the detail - so look

Answer 2

You need to go online or speak to a specialist insurer who deals with Student Contents Insurance.

Alternatively speak to your parents as they may have an extension on their own policy to insure student contents that are either in a Halls of Residence or a rented room as you say. Some of these policies automatically provide student contents cover so it's worth asking your parents to check their policy booklet or phone their own insurance company.

Try the link below for a list of companies that provide Student Contents cover.

Answer 3

Ask yourself this....if you had a fire tonight, would you have the money to replace everything in your flat? If you couldn't go out and rebuy everything tomorrow, you should probably have it. I'm an insurance adjuster. I just had an insured yesterday who had very little belongings. She and her husband were just starting out and really didn't have much, but everything they did own was totally destroyed when their flat burned down. She told me when I was leaving that she had been planning to cancel her policy because she didn't have that much stuff and it felt like an unneccesary bill. Now she's grateful she had it.She never dreamed she would have a fire.

Answer 4

We use Norwich Union, we pay around £200.00 per year for a 4 bedroom house, with 2 reception rooms large kitchen bathroom and shower room.

That is for buildings and contents.

We did shop around. If their prices go up when we renew we will search for someone else via the net.

Answer 5

Pick any of the well know insurance companies, but you'll need to show them that your room is able to be properly secured in your absence.

Answer 6

I use HSBC for less than 15k of items.
0845404404

Answer 7

Try lloyds tsb insurance, prudential insurance, barclays insurance, I am sure somebody will quote you

Answer 8

still got to insure for x4

Answer 9

Norich union.co.uk

Answer 10

try tesco's they do home insurance