I've been given a grant for £150 to cover the cost of this for 3 years and I need a receipt. Any ideas?
2006-11-12 13:05:19 · 7 answers · asked by Alan M 1 in Business & Finance ➔ Insurance
You have two options.
First, your laptop is personal property and is probably automatically covered under your parent's homeowner's policy (assuming they have coverage). Since you are a financial dependent (also assuming), you are considered a member of the household so the contents section of their policy pertains to you. Most homeowner's policies have an assigned maximum insurable limit for electronics, so take your money and "schedule" the laptop. To do this, contact your parent's insurance agent or contact the company directly. You'll need to provide a year/make/model detail on the laptop and have an amount you want it insured for.
Your other option, if your parents don't have insurance or won't otherwise add you, is to purchase your own "renter's" policy. You'll often see this referred to as "student contents" coverage or something similar. In the industry, it's referred to as a H04 policy as well. This will protect you in the same way a homeowner's policy does, as it provides you liability coverage as well as personal property coverage. In th is case, I'd still recommend scheduling the laptop on the policy.
In either case, you'd receive a declarations sheet (aka a dec page) that shows the laptop as being insured, which serves as your receipt.
Good luck!
2006-11-12 14:37:35 · answer #1 · answered by cassee_ame 2 · 0⤊ 0⤋
My laptop was nicked when I was a student! I had no insurance, but we discovered that my mother's covered it, and got the money back that way- ask your parents about it, you may already be covered... if not, you may be able to take out an extra bit in their policy...
Otherwise, I have no leads for you , but I'd warn you to always make sure all the locks to your accomodation are locked when you leave- it's harder to kick the door in if the mortice lock is on apparently... you could also make a good few back up disks, I mean, it'd be a p1sser if the lap-top got taken with the only copy of an important essay on it... or would that be the perfect excuse?
2006-11-12 13:41:10 · answer #2 · answered by Buzzard 7 · 0⤊ 0⤋
Alan, do your parents/guardians have home contents insurance? Sometimes on a home insurance policy they offer an extension to cover goods held by a student in digs. These extensions will often cover goods up to the value of £500.
If you need your own policy you need to get a quote for contents insurance for the property that you keep in your home and you may need to specify the laptop on this if it is worth more than £2000. This is called the 'single article limit'. Hope this helps.
2006-11-13 01:42:44 · answer #3 · answered by JOANNE C 3 · 0⤊ 0⤋
do a web search for student content insurance. Check with your bank or student union. Most banks offer comprehensive banking/insurance packages for students. Your receipt will be when you sign on the dotted line........your copy of your insurance contract.
2006-11-12 13:12:09 · answer #4 · answered by Anonymous · 0⤊ 0⤋
I know Endsleigh do special contents and possessions cover for students.
2006-11-13 22:35:01 · answer #5 · answered by TB 5 · 0⤊ 0⤋
you can get some good deals on kit insurence, get yourself some home insurance for your kit about £30 per month for around £50-000.
2006-11-13 22:47:29 · answer #6 · answered by the game 1 · 0⤊ 0⤋
Sure - call your nearest insurance broker and get a policy - non?
2006-11-12 13:08:08 · answer #7 · answered by Smilin' Fred 4 · 0⤊ 0⤋