20 %
Introductory Discount
plus
10 %
NUS Discount
Student insurance from £1.23 per lunar month
Start Quote

*Premium shown is paid lunar monthly and based on minimum insurable value, living in a hall of residence.

GET STUDENT INSURANCE SORTED QUICKLY THEN GET BACK ON WITH LIFE!

If you are new to student insurance, then you can think of it being similar to home contents insurance but designed specifically for those studying in full time education away from home.

PICK ‘N’ MIX BENEFITS MEANS YOU ARE IN CONTROL!

At The Insurance Emporium we know that students are as different and diverse as the courses that they study which is why we made our student insurance Pick ‘N’ Mix - you can choose the cover that is relevant to you and not pay for what you don’t need.

All our student policies start with just one Standard Benefit and then you choose which Elective Benefits you wish to add - this means that you don’t have to pay for any specialist or high risk items that you may not have!

What’s included in the Standard benefit?

Accidental damage or theft of your contents at the student address and whilst in transit from or to your home address. Loss or damage to food you own and kept in a deep freeze at your student address and is caused by a rise or fall in temperature.

What additional Elective benefits can I add?

You may be a fashionista, a nerd, a rocker or an athlete and we know that there’s plenty of other stuff you’d rather be spending your money on so why pay to insure stuff that you don’t have? This is where you get to Pick ‘N’ Mix your student insurance policy to fit your lifestyle.

You can tailor your Student insurance policy with the following Elective Benefits:

  • Personal Belongings - things that you wear or carry in everyday life
  • Valuables - such as your TV, desktop computer, jewellery and more
  • Gadgets & Mobile Phones - including smartphones, tablets, cameras and more
  • Bicycle (theft or accidental damage only)
  • Musical Instruments - includes both orchestral and non-orchestral instruments and accessories
  • Loss of Keys / Swipe Card (loss or theft only)
  • Accommodation Liability
  • Tuition Fees, Rent Protection, Exams & Coursework
  • Personal Accident and Assault or Mugging
  • College Property on Loan
  • Public Liability
  • Legal Helpline

For further details simply read on or get a free no-strings quote and find out if you could be better off with student insurance from The Insurance Emporium.

Find the Right Policy For You

Our Range of Cover

Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.

Table of Benefits
Standard Benefit
  • Contents i
  • Up to £5,000
Elective Benefits
  • Gadgets and Mobile Phones i
  • Personal Belongings i
  • Valuables i
  • Bicycle i
  • Musical Instruments i
  • Loss of Keys/swipe card i
  • Tuition Fees, Rent Protection, Exams & Coursework i
  • Personal Accident and Assault or Mugging i
  • College Property on Loan i
  • Accommodation Liability i
  • Public Liability i
  • Legal Helpline i
  • Individual Item Limits apply
  • Up to £4,000 (£500 single item limit)
  • Up to £3,000 (£1,500 single item limit)
  • Up to £1,000
  • Up to £2,500
  • Up to £500
  • Up to £1,000
  • Up to £20,000
  • Up to £500
  • Up to £5,000
  • Up to £1.5m
  • Up to £10,000
Table of Benefits
Standard Benefit
  • Contents i
  • Up to £5,000
Elective Benefits
  • Gadgets and Mobile Phones i
  • Personal Belongings i
  • Valuables i
  • Bicycle i
  • Musical Instruments i
  • Loss of Keys/swipe card i
  • Tuition Fees, Rent Protection, Exams & Coursework i
  • Personal Accident and Assault or Mugging i
  • College Property on Loan i
  • Accommodation Liability i
  • Public Liability i
  • Legal Helpline i
  • Individual Item Limits apply
  • Up to £3,500 (£500 single item limit)
  • Up to £2,500 (£1,500 single item limit)
  • Up to £750
  • Up to £2,000
  • Up to £450
  • Up to £800
  • Up to £17,500
  • Up to £500
  • Up to £4,500
  • Up to £1.25m
  • Up to £10,000

Accidental damage or theft of your contents at the student address and whilst in transit from or to your home address.

Loss or damage to food you own and kept in a deep freeze at your student address and is caused by a rise or fall in temperature.

Lost or stolen, accidentally damaged or damaged by coming into contact with liquid plus accessories.

Calls made from your lost or stolen mobile phone until blacklisted by your airtime provider or calls shown on your statement that weren’t made from your mobile phone.

Loss, accidental damage or theft of your personal belongings within the UK and up to 45 days worldwide.

Your legal liability for unauthorised use of your lost or stolen credit, debit or charge cards.

Loss, accidental damage or theft of your valuables within the UK and up to 45 days worldwide.

Accidental damage or theft of your bicycle anywhere in the UK whilst being used for commuting and leisure purposes only.

Loss, accidental damage or theft of your musical instruments and accessories anywhere within the UK plus hire cost of replacement musical instruments.

Replacements for lost or stolen keys, swipe card or replacement locks plus £50 to call an emergency locksmith.

Unused tuition fees or rent if you become incapacitated, die or a member of your immediate family providing financial support is made redundant, dies or sustains an injury or illness and you must cancel or withdraw from your course.

Resitting exams or reproducing coursework if you become incapacitated or a member of your immediate family dies or sustains an injury or illness.

An accidental bodily injury resulting solely and directly from external violent and visible means and within 12 months it is the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement.

Emergency dental treatment or payment for damaged clothing or spectacles where you are injured solely and directly as a result of a physical and criminal assault.

Your legal liability for the loss or accidental damage of college property whilst on loan at your student or home address or in direct transit between them.

Your legal liability for the loss or accidental damage of library books whilst on loan at your student or home address or in direct transit between them.

Your legal liability for the loss or accidental damage of household goods rented under a tenancy agreement whilst at your student address.

Your legal liability for the loss or damage to gas, electricity or water meters.

Your legal liability for the loss of domestic heating oil or metered water as a result of accidental damage to the heating or water system at the student address.

Your legal liability for death or bodily injury, loss or damage to property caused by or through your ownership or use of contents and items.

Accidental damage or theft of your contents at the student address and whilst in transit from or to your home address.

Loss or damage to food you own and kept in a deep freeze at your student address and is caused by a rise or fall in temperature.

Lost or stolen, accidentally damaged or damaged by coming into contact with liquid plus accessories.

Calls made from your lost or stolen mobile phone until blacklisted by your airtime provider or calls shown on your statement that weren’t made from your mobile phone.

Loss, accidental damage or theft of your personal belongings within the UK and up to 45 days worldwide.

Your legal liability for unauthorised use of your lost or stolen credit, debit or charge cards.

Loss, accidental damage or theft of your valuables within the UK and up to 45 days worldwide.

Accidental damage or theft of your bicycle anywhere in the UK whilst being used for commuting and leisure purposes only.

Loss, accidental damage or theft of your musical instruments and accessories anywhere within the UK plus hire cost of replacement musical instruments.

Replacements for lost or stolen keys, swipe card or replacement locks plus £50 to call an emergency locksmith.

Unused tuition fees or rent if you become incapacitated, die or a member of your immediate family providing financial support is made redundant, dies or sustains an injury or illness and you must cancel or withdraw from your course.

Resitting exams or reproducing coursework if you become incapacitated or a member of your immediate family dies or sustains an injury or illness.

An accidental bodily injury resulting solely and directly from external violent and visible means and within 12 months it is the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement.

Emergency dental treatment or payment for damaged clothing or spectacles where you are injured solely and directly as a result of a physical and criminal assault.

Your legal liability for the loss or accidental damage of college property whilst on loan at your student or home address or in direct transit between them.

Your legal liability for the loss or accidental damage of library books whilst on loan at your student or home address or in direct transit between them.

Your legal liability for the loss or accidental damage of household goods rented under a tenancy agreement whilst at your student address.

Your legal liability for the loss or damage to gas, electricity or water meters.

Your legal liability for the loss of domestic heating oil or metered water as a result of accidental damage to the heating or water system at the student address.

Your legal liability for death or bodily injury, loss or damage to property caused by or through your ownership or use of contents and items.

Why Choose Us For Student Insurance

10% NUS Discount Available
20% Intro Disount Available
30% Total Discount Available

Read The Not Small Print

We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!

20% discount on new policies for the first year. But don’t worry, we also offer a Loyalty Scheme and No Claims Bonus discounts to reward faithful and prudent customers after 12 months.

A 10% NUS discount allows the opportunity to boost the maximum saving up to 30% (including 20% Intro Discount). In addition, save up to 20% on Gadget & Mobile Phone cover.

This is based on a student living in a Halls of Residence with up to £2,000 of contents with no Elective Benefits selected.

A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.

Who can apply for student insurance cover?
Full-time students studying at college or university in the UK.

Can I arrange my student insurance cover in advance?
Yes, cover can be arranged up to 90 days in advance.

Can you cover other persons on this policy?
No, we can only cover the named individual in the policy schedule.

Do I need to fit locks to my room?
Yes, full details are provided within our student insurance Security Requirements within our policy wording.

Why do I need student insurance?
The household insurance of your parent(s)/guardian(s) does not always cover your possessions whilst living in halls of residence or privately rented student accommodation; therefore you may want to have cover in place.

Do I need to keep my purchase receipts for the items I am insuring?
Yes, in the event of a claim we will require the original purchase receipt(s) and any other documentation required to prove ownership.

Can I insure my bicycle on your policy?
Yes, if you select our Elective Benefit 'Bicycle' it would be covered for up to £1,000.

Can I insure my musical equipment on your policy?
Yes, if you select our Elective Benefit 'Musical Instruments' it would be covered for up to £2,500.

What is the difference between Contents, Personal Belongings and Valuables?
Contents are household goods owned by the student or their family for use in the student accomodation: appliances, furnishings, furniture.
Personal Belongings are items that a student normally wears or carries in everday life.
Valuables are valuable articles or personal property: audio equipment including headphones, binoculars, books, desktop computer, DVD/Blu-ray/video players and recorders, digital and satellite receivers, furs, gaming consoles, gemstones, gold, jewellery, prams and pushchairs, sports equipment, tools (DIY), televisions, telescopes, watches or wheelchairs.

What items are included in the Gadget and Mobile Phone section of cover?
Gadgets include camera lenses, digital camera/camcorders, eReaders, laptops, mobile phones, portable audio players, Satnav and GPS, wearables (smart watches and fitness trackers) and tablets.

Is there an age limit for gadgets and mobile phones?
Yes, we do not insure gadgets or mobile phones that are more than 3 years old when the insurance policy starts.

Are there any limitations on how many gadget or mobile phone claims that can be made?
Yes, the policy limit is a maximum 2 gadget claims every 365 days and 1 mobile Phone claim every 365 days.

Are there any limitations on the maximum value individual items can be insured for?
Yes, this varies under the different sections of cover. The single item limits are as follows; 'Contents' - £750, 'Gadgets & Mobile Phones' - camera lenses £1,000, digital camera/camcorder £1,500, eReaders £250, laptops £2,000, mobile phones £750, portable audio player £1,000, satnav & GPS £500, Wearables £400, Tablet £750, 'Personal Belongings - £500, 'Valuables' - £1,500, 'Bicycle' - £1,000.

Are there any items your policy does not cover?
Yes, we do not cover the following items: postal or money orders, gift vouchers and current postage stamps that are not part of a stamp collection, saving certificates, premium bonds or saving stamps, luncheon vouchers, trading stamps, telephone cards, current travel or other tickets with a fixed monetary value, securities, promotional vouchers, lottery and raffle tickets or Air Miles vouchers.

In what circumstances can a claim be made for tuition fees?
If you have selected our Elective Benefit 'Tuition Fees, Rent Protections, Exams & Coursework' this would cover for any unused tuition fees and/or rent if the policyholder becomes incapacitated, dies or a member of their immediate family who provides financial support is made redundant, dies or sustains an injury or illness and the policyholder must cancel or withdraw from their course. This section would also cover the cost of resitting exams or reproducing coursework if the policyholder becomes incapacitated or a member of their immediate family dies or sustains an injury or illness.

What should I do if the university I/will attend does not appear on your list?
Please Contact Us, so we can take details from you.

A lunar monthly policy runs for, and premiums are collected on, equal periods of 28 days. This type of policy renews every 28 days.

Runs for 365 days from the commencement date and time shown on Your policy schedule; automatically renews annually.

We use cookies

Our website uses cookies to give you the best possible online experience. If you continue to use our website we will assume you are happy for your web browser to receive our cookies. See our cookie policy page for more information on cookies and how to manage them.