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Compare Student Insurance

Compare the Best Specialist Student Contents and Possessions Insurance

Compare Student insurance policies which cover both contents and possessions whether at university, halls or shared accommodation. From under £2 a month

Insurers providing cover for students

  • Monthly payment facility available subject to minimum premium of £50 (select monthly instalments at payment stage)
  • Insures sums up to £14,000.
  • Some of the lowest excesses available for student insurance - from just £10.
  • Accidental damage can be added to the policy if desired.
  • "Walk in theft" covered as standard under policies.
  • Items available to add on as extras: laptops & mobile phones (no age limit for gadgets), bicycles, tuition fee, rent protection and legal fees.
  • Able to offer standalone cover to those who do not need the underlying possessions insurance.
  • Comprehensive cover for those who are studying abroad can be found through cover4insurance.
  • Dedicated phone line 0844 826 2044 (Quote MAXI)


The Insurance Emporium
  • Contents cover up to £5,000 as standard for lunar monthly policies.
  • Pick 'N' Mix policies.
  • Excess for mobile phones from £25.
  • Optional cover: laptops, gadgets and mobile phone (up to three years old), personal belongings and valuables, bicycles, musical equipment, personal accident and assault or mugging.
  • Buy online for best prices.


  • Endsleigh no longer offer student insurance - now only suggesting that visitors to their website consider gadget insurance from Protect Your Bubble

Find Student Insurance that is right for you!

When planning the big move to university, insurance is often well down the list of 'must do's' - but we believe it's critical, both for students and their parents, that students not only cover themselves adequately, but also that they find a policy that will suit the requirements of the life they are about to lead.

Unfortunately it's a fact of life that theft rates are higher on university campuses or student digs than they are in parental homes and - not surprisingly given all the attractions on offer - students don't always pay the highest attention to protecting their belongings when living on their own for the first time. This is why student insurance is an essential to sort before you start at uni.

Compare Student Insurance

There are only a limited number of companies offering student insurance in the UK - and its even more limited in 2021 than it has before, following the withdrawal of industry giant Endsleigh from the market - we highly recommend getting a quote from each as both prices and the level of cover provided varies considerably.

CompanyMore Info
Cover4insuranceFind out more...

Covers walk in theft, so ideal for shared accommodation where doors may not be locked at all times (front doors and windows do be to be secured though) and the low £10 excess. Standard cover automatically includes £5,000 of Tenant Liability Cover which is being required by an increasing number of landlords, whilst Liability Insurance, Replacement Locks cover, Personal Money and Credit Cards and College property can be added to the standard cover.

The Insurance EmporiumFind out more...

Very competitive initial quote, but be aware that this only covers accidental damage or theft of your contents and freezer cover. No cover for walk in theft, rented household equipment, accidental parental death or legal liability cover. Everything else, including Tenants Liability needs to be added as an option if required. Standard Policy Excess is £50.

As can be seen from the table below there is a great deal of inconsistency between the level of cover offered by different policies, which is why we suggest getting quotes from all and then comparing not just the prices, but whether the policy will cover your needs. The most important factor is that you will be covered if you need to claim.

CompanyLevel of Contents CoverWalk in TheftHoliday CoverReplacement LocksCollege PropertyLegal Liability CoverTenants Liability Insurance IncStandard ExcessMore Info
Cover4insurance£2000 - £14,000YesOptionalYesYes£1m£10000£10Find out more...

Cover4Students also cover Rented Household Goods, Credit Cards and Personal Money within the standard premium charge.

The Insurance EmporiumUp to £5000NoYesNoOptional£1.25m - Extra Charge£0£50Find out more...

The Insurance Emporium also include Freezer Contents cover within their standard premium charge.

The Basic Questions

Where will you be living?

At home your belongings could still be covered by the current home insurance. In halls there may be a halls block policy in place. Universities and colleges use different providers for their halls of residence insurance.

What level of cover do you need?

The level in the block policy may be too low for your needs. They can be topped up either with the same company or by taking out an additional policy. Even if you are living at home, you may have purchased a new computer for your studies which could be added to the home insurance or covered through a separate policy.

Have you got any special items to cover?

Whether you have a bicycle, a musical instrument, sports equipment or gadgets such as tablets, phones or a laptop, you can tailor most policies to cover these items. Alternatively they can be protected under a standalone policy.

Will you need specific cover?

Most theft claims have to prove forcible entry. This can be difficult particularly in a shared residence where bedroom doors are not lockable. Look out for 'Walk in Theft' cover.

If you do sports or play in a music band, or even if you just want to take your laptop to the library, you might need to take an item out of your room. You may want to consider an 'Away from home' option.

Compare Independent Student Insurance


Cover4insurance have developed a strong brand in the market through tailored cover from a panel of insurers including Royal & Sun Alliance and Aviva.

Plus points

  • Monthly payments available subject to a minimum £50 premium
  • Low excesses
  • Up to £14,000 possessions cover
  • Accidental Damage to Landlords Property included with all policies
  • 'Walk in Theft' included as standard

Optional benefits

Up to £10,000 of accidental damage to landlords property which is often much cheaper than similar cover offered by commercial landlords.

Provision to add standalone cover through their Essentials Insurance. Handy if you are living at home and just want to insure extra items.

Cover4insurance can also cover international students. This insures tuition fees of up to £20,000 and repatriation cover.

The Insurance Emporium Student Insurance

The Insurance Emporium student possessions product is developing year on year.

Plus points

  • Pick 'n' Mix options allows for individual tailoring of the policy
  • Discounts available online
  • Includes cover whilst in transit to and from your home address

Optional benefits

Unused tuition fees and rent if you are unable to continue your course due to your own or a relative's illness or redundancy (although do note that the policy will not cover any Covid related claims).

Personal Accident including cover for clothing and spectacles if they are damaged as a result of an assault.

Protect library books or other university equipment with the College Property on Loan option.

Endsleigh Student Insurance

Endsleigh, the UKs longest established student insurer who have looked after generations of students - have suddenly decided this year to withdraw from the student market altogether.

They are now just suggesting those visiting the Endsleigh website for student insurance to consider gadget insurance from Protect Your Bubble

Other Options

All the major banks offer student policies, and extensions from some home insurance policies are also available. Do note that your home insurance may have a much higher excess than specialist student insurance.

Standalone Gadget Cover

Are you just looking to cover some of your computer equipment or high value items?

Protect Your Bubble

Protect Your Bubble offer gadget insurance - which does cover some of the more valuable items in a students room - with offers such as 3 items for £15.99 a month.

Cover4insurance Gadget Insurance

Gadget insurance especially around the lives of students - Gadgets up to three years old too - which is an unusual feature - do use the replacement cost of the mobile or laptop when you declare how much its worth though.

Whilst there are more features individual insurers will present you with, this guide will help you speed through a few quotations in no time at all. Remember to read the policy documents fully as well so you know what you will be covered for and what exclusions apply - every policy has them and it's far better to know up front rather than find out when you are making a claim!

This content was last reviewed on 06/08/2021