Does anybody know if students have to take out insurance when they go to Uni ?

If for example they are involved in an accident on their pushbike and they caused the accident ? Do you think they would maybe covered by their parents household insurance still (if they have cover) ? Thoughts please

Thanks

Lucy

Students really do need their own insurance once they are Uni - Endsleigh are really excellent for this - and are reasonably cheap.   They are also understanding of the fact that students are often in accommodation which is not entirely secure, and do pay out promptly (No 2 son had a computer stolen & they were very quick in reimbursing him costs, although he still had to re-do most of his work again).

I would not think that parents' insurance cover extends to students who live (during term time) away from home!

Margot

Edited to say - remember students need their own TV licences, even if they are living in Halls nowadays!

Son had insurance with Endsleigh for the first two years of his course, but didn't renew it as it was very expensive, particularly to cover his three year old laptop. Daughter has basic insurance cover by Saxon included in her hall fees at Loughborough and has to pay extra for her laptop cover, £23 for the year, which is very reasonable :) Looking at her policy, which arrived just a couple of days ago, there doesn't seem to be any insurance, whether optional or not, for the type of cover that you are asking about :( The insurance just seems to cover personal possessions and optional laptop, sports injury/personal accident.

Never heard of any other type of insurance specifically for students :(

Daisy

I work with Students and I do know that alot of Students do have their belongings insured through their parent's home insurance policies.

When i was in halls i had my own insurance, had to pay an extra £30 per year for my laptop but considering it cost £1,500 that was well worth it. I would advise students get their own insurance and not use parents insurance, students insurance is usually tailoerd towards the sort of things students do, ie lose stuff when out drunk or leave things lying around, well i know mine covered that at least.

The type of insurance for knocking someone of a bike would be public liability insurance would it not? Contents insrance will not cover that and if you find somewhere that does im sure it would be pretty expensive - why would your "student" need that type of insurance?

My son's belongings were covered under our insurance,when he went off to uni.We use the co-op and have always had them.He had his bike vandalised whilst in halls and they paid up for it no problem at all,he just had to buy the necessary parts and produce the receipts.We were told that his belongings were under our cover as this remained his main residence and that he was only away whilst studying.Why not give your insurers a call to be sure?
Jacqueline :)

p.s. lots of his mates though got fined for no T.V. licence! that is not covered by your own licence!

We notified our house contents insurance provider and my son's belongings were covered at no extra charge. We did have to list all the items. Have a look at your policy document. It may require that his room has its own lock if he is in a multple occupancy place.

We did have to argue with the girl dealing with us who insisted it was not covered until another member of staff put her right.

Hi Jo

My contents insurance covers me if I had a cycle accident and was liable.

I have been trying to get some advice on whether to persue my claim for injuries against a student who knocked me over on his pushbike.I have been told by two solicitors so far to forget it as the likelyhood of getting any money out of a student is vary unlikely and would not be worth the hassle for me to go through to end up with no money. I may end up with just statutory sick pay for being of sick this week.I was at work and I was moving offices because somebody was working at my desk I would again not be covered by public liabilty insurance as it was not on the employers premises.

Lucy
xx

I sympathise about you getting hit by the bike - must be very painful. Please consider tho' the affect that it would have on this student being sued - hopefully he is extremely sorry. I can just imagine the sheer panic my children would have if someone tried to sue them. Mine do have some savings - but this money is intended to help them get on the first rungs of independence and many students have nothing. Unless you feel that he was being deliberately reckless and deserves to be sued, I'd show some compassion.

Daisy

Unfortunately bicyclists are not required to have insurance (unlike vehicle drivers). Therefore, it is difficult to extract money from them if they injure you in an accident. Considering how many ride furiously on the pavement, I feel that this should be changed. Remember that you have 6 years to enforce a judgement against the student. Hopefully, he will graduate and be able to pay you sometime in the future. Possibly, he may be able to borrow the money from someone else to settle the case with you.

hey I work for a Students Union so might be able to help a little more, basically Endsligh are affiliated to the NUS so claim to offer students deals - although it is prob best still to shop around, however I think that endsleigh do cover for walk in theft - which is one of the main types!! might be best to speak to endsleigh get the inns and outs of their cover and then call your own insurance to compare..hth

If you were knocked down on the pavement the cyclist was breaking the law, cycles belong on cycleways, roads, byways and bridlepaths, NOT on pavements.