If you have student members of the family it is always worthwhile to check what cover ( if any ), your home contents policy may provide.
If the student is away at a halls of residence or living in a rented flat etc , then there may be cover under the contents section for ‘contents temporarily removed’.
Some insurers will actually state in their wording that the cover extends to student members of the family who are living away from home.
Typically, there will be a limit on the amount covered under the policy and this will vary from insurer to insurer, but could be £5,000 or even higher. Just check the policy cover to make sure and if any doubt, call your insurance company to find out.
The insurance company will normally restrict cover under theft to forcible and violent entry and again it is always best to check the wording and let the student member of the family know of the cover. Due to the nature of student life, it is understandable to have such a restriction.
However, the main point to remember is to always check the cover and this may save you time and money if you were planning to arrange separate cover for the student.
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