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Students Could Benefit From Their Parents Insurance

Students Could Benefit From Their Parents Insurance

As students navigate the steep costs of living and studying in the UK, they can often find themselves in need of expensive essentials like laptops, smartphones, and textbooks. The loss or theft of these items can be financially devastating for students. Fortunately, there's a way for parents to provide an added layer of protection for their children's possessions while they pursue higher education, potentially saving them money on additional insurance policies.

One option is to extend their existing home insurance policy to cover their child's belongings while they are away at university. This approach eliminates the need for students to purchase separate insurance, offering a practical and cost-effective solution1.

Whilst parents may often wish to financially support their children during their university years, whether it’s contributions towards rent, food or textbooks for example, parents can consider how to safeguard their child's possessions and financial stability through insurance cover, to protect the items that matter the most.

Income protection also plays a crucial role in this regard. It can ensure that parents can continue to financially support their child's education even if they face unforeseen challenges, such as a period of inability to work due to illness or disability.

By securing income protection, parents can rest assured that they have a financial safety net in place to provide for their child's needs. This becomes particularly important when considering that students may receive less than the full maintenance loan due to their parents' income levels.

It’s worth looking at your own home insurance provider to see if they offer cover options for students, and if you are interested in talking further on income protection options to ensure full peace of mind, please do not hesitate to book an appointment with us to let us look at your exact circumstances and seek to find a cover option that suits you.


1. MoneySuperMarket (2023) Student home insurance. Available at: (Accessed 26 Sep 2023)

All the information in this article is correct as of the publish date 28th September 2023. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information.

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