Thousands of new students will be starting on a new adventure when they go off to university this autumn. This is the first step in hopefully a long and fruitful career for dental and medical professionals. Make sure your belongings are fully covered so you can focus on your studies without the worry.
The myth of home insurance for students
You might think that your parents’ home insurance will cover you as a student when living away from home. A typical home insurance policy may provide a certain level of cover for some belongings, but is unlikely to protect you against other things, such as tenants or personal liability, and in some cases accidental damage.
The reality is that you should have your own policy, that includes typical student cover as well as protection for big ticket items, such as a laptop, pedal bike and any other gadgets, whilst in student accommodation.
If you consider how much all your possessions are actually worth, could you afford to replace them all?
It’s not just about theft
As well as the stress and hassle of dealing with theft of your personal items, this is not the only risk when at university. Of course, you can also be affected by accidental damage or loss of your items, but have you considered that your ability to complete your course might also be at risk?
If you lose medical books which affects your ability to study, or you lose coursework due to your laptop breaking, it might mean the failure of all or part of your course. The same goes for being ill or getting injured. This might affect you taking an exam, for example.
While it might seem extreme, these are the worst case scenarios that insurance is there to support you through. Costs to you in these situations might be additional rent, new books, new equipment and extra exam fees. Your home insurance policy could help you manage these costs.
With all the hard work you’ve put into your degree, can you afford not to complete it?
What might be covered under student contents insurance?
As well as cover for items you might generally expect from contents insurance, such as loss or damage to belongings, theft from your accommodation or while temporarily away, and tenants liability for property damage you cause, there are a number of other areas that you might not have thought of where your insurance policy could help. A few examples are:
- Rent and alternative accommodation
- Additional tuition fees
- Loss of coursework or data
- Loss of credit cards
- Replacement locks and keys
- Frozen food
Starting on your dental or medical journey with the right insurance partner
All Med Pro provides insurance cover for dental, medical and other healthcare professionals throughout their career. We build relationships with practitioners right from the start. Let us help you make your university experience go without a hitch. Contact us to help you find the right level of home and contents cover for you.