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Bedsit Insurance

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Although bedsits used to be the preserve of students that’s no longer the case in many cities, particularly in places like London, Manchester and Edinburgh, where the higher cost of living means many young professionals live in bedsits or houseshares.

However, while this type of living arrangement is increasingly common, from an insurer’s point of view it’s also a little more risky than a regular contents insurance policy.

Not only are residents in bedsits more likely to share the property with people they don’t know and trust, but in most cases bedsits also don’t have their own entrance door, which means they are generally less secure than a flat or apartment that is rented out to one tenant on a shorthold tenancy basis.

That means it’s even more important to compare quotes from a wide range of providers if you live in a bedsit, because that way you stand a far better chance of finding a suitable bedsit insurance policy at a reasonable price.

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How much does contents insurance for a bedsit cost?

Insurance providers use a wide range of variables in their insurance premium calculations, many of which will be specific to your property. For instance, the property’s post code can have a significant impact on the cost of contents insurance for a bedsit, because it will be used to assess the crime rate in your area.

Your property’s security system, size, and type of locks will be a factor too, so it’s impossible to predict how much your bedsit insurance is likely to cost without running a real comparison of home insurance quotes.

Is bedsit insurance mandatory in the UK?

No, it’s not mandatory from a legal perspective, because bedsit insurance is a form of contents insurance, which isn’t a legal requirement in the UK.

However, it might be mandatory from a contractual point of view, because it is possible the contract you sign with your landlord might include a clause requiring you to take out insurance.

These clauses do differ from one rental agreement to the next though, so it’s worth double checking your own to see where you stand.

Is it true that a bedsit insurance policy doesn’t cover laptops and smartphones?

It depends on the particular bedsit insurance policy you take out – some policies will include cover for laptops and smartphones as standard (up to a certain single item limit, of course), while other policies might require you to add gadget insurance as an optional extra.

That’s why it’s critical that you check the terms of any insurance policy before you sign on that dotted line.

Does bedsit insurance cover my contents against accidental damage?

No, bedsit insurance policies usually don’t include accidental damage insurance as standard, although it is usually possible to add this type of cover to your policy for an additional fee.

If you decide not to add accidental damage cover then you usually won’t be covered if you, one of your housemates, a pet or a visitor to your home accidentally damages your belongings.

How can I find the best deals on my bedsit insurance?

Some insurance providers offer home insurance deals to new policyholders, so rather than accepting your existing provider’s renewal quote you should shop around for new bedsit insurance quotes when your existing policy is up for renewal.

It’s also worth bearing in mind that some banks offer their account holders home insurance discounts when they sign up for a new policy, and a few even offer account holders free home insurance, so it’s worth checking with your bank before you compare bedsit insurance quotes from other providers.