A guide to Admiral's Tenants Insurance for students

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University students looking at computer

One of the best parts of university life can be living with your friends in a shared house or university halls. However, it pays to take a few precautions. 

Places where several students live together, all with their own valuables, can be an attractive target for thieves.

That’s why it’s important to have cover for your belongings in the form of a student renters insurance policy.

What is student tenants insurance?

Tenants insurance for students covers your belongings while you’re living in a shared house, flat or university halls. 

It’s there to provide you with peace of mind, protecting your precious things, such as laptops, tablets, smartphones and TVs, from damage or theft.

By having this cover, you can rest assured that your contents will be protected while you’re at university.

And in the unfortunate event that something is stolen or damaged, your renters insurance policy - or students contents insurance - will help cover the cost of replacing it. 

What’s more, Admiral’s tenants insurance may include cover away from home, meaning your belongings are protected if, for example, you decide to take them on holiday or to visit your parents.

Admiral offers three levels of contents cover: Admiral, Admiral Gold and Admiral Platinum. The away from home cover comes as standard on a Platinum policy, but is optional on Admiral and Gold.

What are my contents?

Contents is just another word for your belongings or things – basically, your stuff. Here are a few examples of what we mean:

  • Furniture
  • Clothes and jewellery
  • Musical instruments
  • Books
  • Electrical items such as your laptop, tablet and mobile phone

If you aren’t sure if any of your items can be covered, you can get in touch with us.

Why should I protect my contents?

Younger adults, aged 16 to 24, are more likely to be victims of burglary than any other age group, according to the Office of National Statistics.

As a student, it’s important that you protect your valuables, clothes and books, from the threat of theft or damage.

Imagine if something like your bicycle were stolen or damaged. It’s not only a major inconvenience, but you could find yourself out of pocket too. 

By having renters insurance with Admiral, you won’t have to deal with the stress and inconvenience of losing out. 

How do I determine the value of my contents?

One of the most important things about covering your contents is making sure you know just how much your belongings are worth. So, how do you get started?

Determining the cost of all of the belongings you want to take to university may seem like an overwhelming task, but it’s one that must be done to ensure you have the right level of cover. In fact, you may be surprised at how much all your possessions are worth.

To help you out, we’ve created a handy contents calculator. This tool allows you to easily calculate the contents you’d like to protect while away at university. 

While using the calculator, be careful to make a note of anything worth more than £2,000 to ensure it’s covered.

What about accidental damage cover?

From spilling a drink on your laptop to knocking your TV off its stand, we understand that accidents can happen.

With renters insurance, you also have the option of adding accidental damage cover to your policy. In the event of an accident that causes damage to your belongings, accidental damage cover can help you recoup the cost.


Is my mobile phone covered?

As mentioned, Admiral offers three levels of contents cover: Admiral, Admiral Gold and Admiral Platinum.

Your mobile phone will be covered up to the limit specified on the level of cover you’ve selected to buy. This limit will be shown on your policy schedule.

If you require cover away from home then personal possession cover will need to be added to the policy.
Liquid damage to mobile phones is not covered.

Are my housemates’ items covered under my policy?

Your housemates’ items won’t be covered on your contents policy. They’d need to purchase their own individual insurance to ensure their items are covered too.

Will it cover me if I miss my rent?

This policy wouldn’t cover missed rental payments.

Is my laptop covered outside of my house?

There are different rules here, depending on how much your laptop is worth.

If your laptop is worth less than £2,000, you’ll need to add personal possessions cover to the policy to ensure it’s covered away from home.

If your laptop is worth more than £2,000, you’ll need to add this to the policy as a specified item and 'cover away from home' selected.

Is my bike covered?

Inside the home any bike worth £350 or less is covered under the general contents policy. To have cover outside of the home, personal possessions cover would need to be added to the policy.

Bikes worth more than £350 will need to be added as a specified item on the policy. And to have cover outside of the home, ‘cover away from home’ should be selected.

Find out more about Admiral's Tenants and Renters Insurance or get a quote today.