Contents Insurance for students

Urban Jungle’s student Contents Insurance is designed to cover your stuff whether you’re in your student house, shared accommodation, or out and about. It can cover things like your phone, laptop, bike and other bits and bobs against accidental damage, theft and loss.

Our monthly policies start at £5 and you can cancel any time for free. Just answer 5 simple questions and you’ll have a quote in minutes.


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Contents Insurance for students


                    Sidetable with houseplant and pictures.

Urban Jungle’s student Contents Insurance is designed to cover your stuff whether you’re in your student house, shared accommodation, or out and about. It can cover things like your phone, laptop, bike and other bits and bobs against accidental damage, theft and loss.

Our monthly policies start at £5 and you can cancel any time for free. Just answer 5 simple questions and you’ll have a quote in minutes.

What is student Contents Insurance?

Urban Jungle’s student Contents Insurance covers the stuff you own. That means things like your laptop, clothes, and phone. Anything that’s a structural part of the building isn’t typically covered under Contents Insurance policies, so that’s things like your sink or flooring.

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If you’re living away from home while at uni or college you’ll likely be renting your new place - whether that’s a room in student halls, a flatshare or a student house. Urban Jungle’s student renters Insurance is created with renters in mind.

If you’re in halls, our policies are designed to cover the stuff in your room if it has its own room number and lockable door. And if you live in a shared house you can add your housemates onto your policy too. You can even include Common Areas to cover your things in shared spaces, like kitchens and living areas.

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Our policies cover your things against damage caused by a storm or flood, fire and smoke, household leaks, and they cover you if your student house or room gets broken into. Tenants Liability Insurance is also included, which is designed to cover if you accidentally damage stuff that belongs to your landlord that you are responsible for during your tenancy. All from just £5 a month.

A graphic of a comfy armchair with a book.

If you’re living away from home while at uni or college you’ll likely be renting your new place - whether that’s a room in student halls, a flatshare or a student house. Urban Jungle’s student renters Insurance is created with renters in mind.

If you’re in halls, our policies are designed to cover the stuff in your room if it has its own room number and lockable door. And if you live in a shared house you can add your housemates onto your policy too. You can even include Common Areas to cover your things in shared spaces, like kitchens and living areas.

An inverted umbrella catching orange raindrops.

Our policies cover your things against damage caused by a storm or flood, fire and smoke, household leaks, and they cover you if your student house or room gets broken into. Tenants Liability Insurance is also included, which is designed to cover if you accidentally damage stuff that belongs to your landlord that you are responsible for during your tenancy. All from just £5 a month.

Get student Contents Insurance

What’s covered by student Contents Insurance?

If you’re asking yourself “Do I need Contents Insurance as a student?” you might also be thinking about student laptop insurance and wondering does Contents Insurance cover mobile phones?’

TODO.

When thinking about what student Contents Insurance covers, imagine you’re packing for uni or college, what are you going to pack? Most things you own and take with you is considered your contents. Here are something things that could be covered by student Contents Insurance:

  • Laptops
  • Books
  • Mobile Phones
  • Clothes
  • Headphones
  • Games consoles
  • Jewellery
  • Musical instruments
  • Laptops
  • Books
  • Mobile Phones
  • Clothes
  • Headphones
  • Games consoles
  • Jewellery
  • Musical instruments

Do I need student Contents Insurance?

It’s up to you to decide whether to get yourself covered with student Contents Insurance, as there’s no law saying you have to.

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It might seem like you don’t have enough stuff as a student to get insurance, but your things are probably worth more than you think - and replacing them could cost quite a bit. If you’re curious about how much your stuff could cost our Contents Calculator can make a quick estimate for you.

It might seem like you don’t have enough stuff as a student to get insurance, but your things are probably worth more than you think - and replacing them could cost quite a bit. If you’re curious about how much your stuff could cost our Contents Calculator can make a quick estimate for you.

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What types of housing does student Contents Insurance cover?

With all the different insurance policies out there it might seem like you need something different for student room insurance or student halls of residence insurance. At Urban Jungle we’ve made it simple - our student Contents Insurance could cover you if you’ve got your own room or you’re sharing a house with 5 other students!

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Student halls Contents Insurance

If you’re living in halls of residence, Urban Jungle is designed to cover your belongings as long as your room has an exact address - in other words, it just needs a room number. For the cover to apply to your room, you’ll also need a lock on your door.

To cover your things in shared areas like kitchens and living spaces you can add Common Areas. For this to apply the common area should be kept locked and not open to the public. Theft won’t be covered unless there are signs of forcible and violent entry.

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Student house Contents Insurance

Many traditional insurers don’t cover shared accommodation because they view more people living in one place as a higher risk. Urban Jungle provides policies designed specifically for sharing renters. Our student Contents Insurance policies can cover houses with up to 6 housemates total.

In student house shares Urban Jungle doesn’t require a lock on your room. But cover won’t apply to theft if there aren’t signs of forcible and violent entry.

A graphic of a mug of tea with the tag of a teabag.

Student halls Contents Insurance

If you’re living in halls of residence, Urban Jungle is designed to cover your belongings as long as your room has an exact address - in other words, it just needs a room number. For the cover to apply to your room, you’ll also need a lock on your door.

To cover your things in shared areas like kitchens and living spaces you can add Common Areas. For this to apply the common area should be kept locked and not open to the public. Theft won’t be covered unless there are signs of forcible and violent entry.

A graphic of a house with an orange door and windows.

Student house Contents Insurance

Many traditional insurers don’t cover shared accommodation because they view more people living in one place as a higher risk. Urban Jungle provides policies designed specifically for sharing renters. Our student Contents Insurance policies can cover houses with up to 6 housemates total.

In student house shares Urban Jungle doesn’t require a lock on your room. But cover won’t apply to theft if there aren’t signs of forcible and violent entry.

Get covered

Why choose Urban Jungle for student Contents Insurance?

We make insurance that is fair, simple and created for the times we live in. We know you’ve got a million and one things you’d rather be doing, so we’re making it easy to get clear and trusted cover so you get back on with your life.

Clear, fair prices

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Student Contents Insurance starts from just £5 a month, or £60 a year. So if you’re looking for insurance during term time, our monthly policies might suit you better than traditional insurers’ annual ones.

Covered in minutes

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We want to make things as quick and easy as possible, no baffling questions, just a few simple details – we won’t ask how flat your roof is!

Tweak your package

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Design your student Contents Insurance policy to suit you. Add the coverage you need, take off what you don’t and make changes whenever you need online for free. You can cancel any time for free.

Here’s how it works

1
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Give us a few details

Just 5 quick and easy questions about your current setup. No unnecessary questions from us.

2
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Customise your package

Create a policy to suit your needs, like adding Common Areas Cover. Never pay for cover you don’t need.

3

Relax. You’re covered

You’re all set! Need to make a change? Update your policy or cancel online for free 24/7.

Get covered

Customise your cover

Get the best student Contents Insurance for you by adding and removing any cover you like from Urban Jungle’s policies.

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Out of Home Cover

You can protect the stuff you usually carry around like your laptop and phone by adding Out of Home Cover to your student Contents Insurance. Plus, if you move, you can update your address to be covered in your new place, or cancel online for free any time.

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Accidental Damage Cover

At Urban Jungle we understand accidents happen, so we’ve included Accidental Damage cover as standard in your student Contents Insurance policy. Spills, knocks, and breaks happen… we’ve all been there!

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Out of Home Cover

You can protect the stuff you usually carry around like your laptop and phone by adding Out of Home Cover to your student Contents Insurance. Plus, if you move, you can update your address to be covered in your new place, or cancel online for free any time.

A graphic of a split coffee cup with liquid pouring out of it.

Accidental Damage Cover

At Urban Jungle we understand accidents happen, so we’ve included Accidental Damage cover as standard in your student Contents Insurance policy. Spills, knocks, and breaks happen… we’ve all been there!

Get covered

Don't just take our word for it...

We’re rated excellent on Trustpilot from over 2000+ reviews.

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"Very simple and straightforward, a pleasure to use. Very competitive price for my Building and Contents Insurance saving me £90+ on my renewal quote from my previous insurer."

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Mrs Sandra Patching

"I've never set up Building and Contents Insurance so easily! And it's all written in plain English. Plus, what's covered is clear cut from the start. Excellent…"

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Becki

"Easy website to navigate, insurance set up quickly and without any headaches… and I can cancel for free at any time (absolute bonus)"

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John H

"Very simple and straightforward, a pleasure to use. Very competitive price for my Building and Contents Insurance saving me £90+ on my renewal quote from my previous insurer."

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You might be wondering...

What does student Contents Insurance not cover?

Your student Contents Insurance policy can cover your “contents” - that’s the things you own and take around with you.

So, it’s the things that are part of the structure of your home that your policy won’t cover. Think of things that are considered part of the building, like the flooring or the kitchen sink.

If you don’t have Tenants Liability Cover, your landlord’s contents won’t be covered by your policy. You can check whether you have Tenants Liability Cover in the policy document before you buy your policy.

What do I need to get a student Contents Insurance quote?

Most insurance providers will ask you loads of questions before giving you a quote - things like “How flat is your roof?” or “What are your external walls made of?”. Odds are, you won’t have the answers and won’t be sure how to find them out.

To get an Urban Jungle student Contents Insurance quote we only ask you a few simple questions, such as your address, the number of people you live with, and how much your stuff costs. It might feel tricky to tally up how much all your belongings are worth, but we’ve made a handy calculator to help you out!

When should I get student Contents Insurance?

You’ll need to decide when you want your stuff to be covered. If you’ve already moved into a place you can still take out a policy, but it’s often a good idea to be covered as soon as you move in.

With Urban Jungle Contents Insurance, you choose the day your policy begins so you’ll only pay for the cover you use. You can also cancel for free at any time if you decide you don’t need cover anymore.

Will I be covered in my halls of residence?

Some universities already have insurance for your stuff when it’s in your student room, so it’s worth checking if your university already has a policy covering your stuff. In order to have cover, you’ll usually need to make sure your bedroom door is locked, and your uni’s policy probably won’t cover your things if they’re outside your room.

Urban Jungle student Contents Insurance policies are designed to cover you if you have a unique address. So, if you have a room number and your door has a lock, we might be able to cover you in your halls of residence. If you pick the ‘Out of Home’ add-on your things will also be covered when you’re on the go.

Will I be covered in a student house?

Many insurance providers don’t cover shared accommodation like student houses, because, with more people in a house, the risk of something happening is higher. Urban Jungle Contents Insurance policies are designed for renters, who very often share their home with others!

With Urban Jungle student Contents Insurance, you can get a policy that covers student houses with up to 6 people living there. You can also add your housemates to your policy as well.

How much is student Contents Insurance?

Student Contents Insurance prices will vary depending on your chosen insurance provider. According to ABI, the average cost of Contents Insurance is £127 a year - Urban Jungle’s student Contents Insurance policies start from just £5 a month.

Are students covered by their parents' home insurance?

You’ll need to check your parents’ Home Insurance policy to see if you’ll be covered once you move away from home. Some insurance providers’ home insurance policies will cover you when you’re away from home.

If you are covered you might find you’re only covered in your room, so you might want to get a student Contents Insurance policy instead. That way you can do things like adding your housemates to your policy if you live in a student house, or add additional cover for common areas or when you’re out and about.

Does student Contents Insurance cover mobile phones?

Most student Contents Insurance policies cover mobile phones within your home, but for it to be covered on the go, you’ll need to buy an ‘Out of Home’ add-on. Mobile phones can be covered by Urban Jungle’s student Contents Insurance policy.

Most insurance providers will have a limit on how old your mobile phone is. You can check this in a sample policy document before you buy an insurance policy to see if you might be covered.

Does student Contents Insurance cover bikes?

Most Home Insurance policies will provide cover for bikes outside your home as an optional add-on. When you get your Urban Jungle student Contents Insurance quote, you’ll be given the option to add Out of Home to your policy.

To be covered you may need to lock your bike in a certain way and to a permanent fixture - you can check this in the policy document before you buy your policy.

The Urban Jungle student Contents Insurance policy is designed to cover bikes up to a value of £2,000 with our optional add on ‘Out of Home’.

Does student Contents Insurance cover laptops?

Most contents insurance policies will provide some level of cover for your laptop when you’re at home. If you want cover when you’re out and about you’ll usually need to opt for an ‘Out of Home’ add-on to your policy.

Laptops can also be included in Urban Jungle’s student Contents Insurance policy. Your policy will be specific to the level of cover you choose, so it’s best to read your policy documents to check your level of cover.

If you want your laptop to be covered when you’re out and about or in common areas you might need to include these add-ons to your policy when you buy it. You can check whether your laptop is included in your cover by reading your policy document before you purchase.

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