12th September 2019
Student Contents Insurance — Ireland
If you're heading off to college/university in Ireland this September/October then you may have some questions about insurance and if you need it.
Is student tenant's contents insurance compulsory in Ireland?
No, but some landlords may insist that, as part of your tenancy agreement, you have to have a level of cover in place to protect their property. In these cases where you don't have insurance then you would be in breach of your tenancy agreement.
All our student home contents insurance policies in Ireland offer protection for the landlord’s property against fire or theft damage up to €5,000. The cover is listed under the section titled “Landlords Property | Tenants Liability”
Prices start at €37 for students living in halls of residence. Click here for a quote
What is student/tenant's home contents insurance?
As a student away from home, you need insurance to help protect you against the trials of life, such as accidents or malicious intent, could you afford to replace all of your valuables: laptop, jewellery, phone etc., if they were stolen or completely destroyed in an accident, such as a fire? Insurance can't prevent these things from happening but is there to help you get your life back to normal, as quickly as possible. To protect your possessions and yourself please click here .
Does my parents' home insurance already cover me?
Parents and students tend to assume that the students' possessions will be covered by the parents' home insurance policy. But this isn't generally the case and even where there is an element of cover, there will be limitations so you will need to ask your insurer questions such as:
- Will you (the student) be covered in a shared house?
- Are there any lock requirements? if so you need to check if your property has the locks and if not, will your landlord allow you to put the sufficient lock on your door(s) or do that for you?
- Are your contents covered in communal areas or just your room?
- Will you be covered to take items out of the property - e.g. to and from university?
- If more than one child at University can you all be covered on the one policy at the same time?
- What are the limits/exclusions on the policy - e.g. are you covered for accidental damage or just theft?
Get your own student insurance
Cover4Insurance provides a specialist student insurance product that is tailored to university life, you can get a price in under a minute.
The student contents insurance in Ireland allows you to choose the plan type that offers the most suitable cover for your individual circumstances when you're in a student rental property.
It also automatically covers you for things such as:
- Living in shared accommodation.
- No specific lock requirements.
- Items are covered anywhere in the property not just your individual room.
Why choose Cover4Insurance for your student tenants contents insurance?
We provide specialist contents insurance for all students living in halls of residences, flats, bedsits and shared houses of all sizes throughout Ireland.
What do our policies cover?
Our policies cover loss or damage to your processions as a result of the following:
- Fire, smoke, lightning or earthquakes.
- Storm or flood.
- Theft or attempted theft.
- Escape of water.
- Liability for rent household goods.
- Cover in transit at the start and end of each term.
- Subsidence or heave of the site on which the insured address stands or landslip or landslide.
Cover can include:
- Contents and possessions up to €10,000.
- Laptops up to €2,000.
- Mobile or Smartphone up to €1,000.
- Landlord's Property — Tenant's Liability up to €5,000.
- Accidental damage.
- Cover outside of the property for personal possessions.
Why do students need contents insurance for their rental property?
Student contents insurance is specifically designed to protect your possessions such as laptops, tablets, desktop computers, mobile phones, tv's, clothing and all household goods you take to university from all the usual hazards such as theft or fire damage,
But it also takes into account the realities of living in spaces shared by lots of other people – many of whom you may not know very well.