Contents insurance for student renters
Renters Insurance for students is provided by Urban Jungle
What is student contents insurance?
Student contents insurance, also known as renters insurance, covers all the usual items you take to university. It protects your things like mobile phones, laptops, and bikes if they get stolen, lost or accidentally damaged.
Whether you’re living in student accommodation, a flatshare or a student house, our policies have been created with student renters in mind.
For halls of residence, you can cover the things in your room if it has its own room number and lockable door. You can also include common areas to cover your things in shared spaces, like kitchens and living areas.
If you live in a shared house, a total of 6 housemates can be added to a policy without the need for a lock on each bedroom, which some traditional insurers require. However, cover will not apply to theft without signs of a break in.
You can also add out of home cover to protect your gadgets and bike when you're out and about.
Do you need student cover?
First, check your parents' home insurance policy. Some cover you when you move away, but it might not provide the right cover for you. Also, if the university is providing your room, check if they include insurance for your stuff. If not, consider getting student contents insurance.
Reasons to choose
Tenants liability cover included as standard
Protects you against the cost of loss or damage to your landlord’s furniture, furnishings and interior decorations.
Pay monthly at no extra cost
You will pay the same amount if you pay monthly or for the entire year with no credit charges.
Flexible cover to suit you
Pay annually or monthly with no fees to make a change to your policy or cancel.
Tailor-made for renters
The features of this insurance have been specifically designed for the needs of renters.
3 steps to sort your insurance
Answer some quick questions.
We know time can be short so we want to take up as little of it as possible. You just need to tell us some information about you such as:
- your address
- your email address
- how many people live with you
- if you have had any previous claims
Design a policy to suit you.
There are contents cover options between £10,000 and £40,000 per person. You can also choose from a range of add-ons and the excess amount you will pay with a successful claim.
Decide how you want to pay.
Pay monthly or annually at no extra cost. If you need to amend or cancel your policy you will not be charged. You can do this online 24 hours a day, 7 days a week.
Members save more with 5% off renters insurance
Co-op Members who take out renters insurance will get a 5% discount.
Become a Co-op Member when buying Co-op Renters Insurance to get:
- access to our Member Prices
- exclusive offers, discounts and events from Co-op
- your choice of a local cause to support
- your say in how our Co‑op is run
One time £1 joining fee applies.
Co-op Members can win
to Co-op Live when they buy a new policy
What if your insurance came with tickets to the gig of your dreams? Co-op Members who buy a new insurance policy direct from us by 31 October 2025 can win one of 100 pairs of Dreamseats to Co-op Live.
If you're not yet a Co-op Member, you can sign up when you buy Co-op Renters Insurance. Your first insurance payment will include a one-off £1 joining fee.
Terms and conditions apply. Not available on landlord insurance.
What's included
These are the key features of Co-op Renters Insurance. For more information, and limitations on cover, please see the policy booklet (PDF).
You can choose how much cover you need and how long you need it for.
Tenants liability insurance
£5,000 (can choose to increase to £10,000)
Cover against the cost of accidental damage to your landlord’s property, which your tenancy agreement specifies you are responsible for.
Accidental damage cover
covered up to chosen contents amount
Covers accidental damage to contents from unintentional one-off incidents including where items are dropped or knocked over.
Cover for damage caused by household leaks
covered up to chosen contents amount
Cover for loss or damage to your contents from household leaks of water or oil from pipes or appliances in your home, or any adjacent property.
Public and occupiers liability
£2,000,000
Covers you for injury or damage you become legally liable for as occupier at the home or as a private individual anywhere in the world.
Alternative accommodation
£20,000
Covers the cost of alternative accommodation (substantially the same as your existing accommodation) following an insured event, for example flood or fire.
Household removals cover
covered up to chosen contents amount
Provides cover for accidental damage, or theft of, contents whilst travelling between your previous permanent home and your new permanent home within the UK. This includes up to 48 hours in temporary storage.
Add-ons to customise your policy
These prices assume one adult and a £100 excess.
Out of home cover
from £2 per month
Covers personal items that you typically would take out of the home with you frequently against theft, accidental damage, accidental loss, vandalism or malicious damage.
Extra tenants liability cover
from £1 per month
Additional cover for accidental damage to your landlord’s property. £5,000 included as standard this brings it to £10,000.
Business equipment cover
from £4 per month
Cover for office equipment, designed for freelancers and company directors.
Legal expenses insurance
from £2 per month
Get support and representation if you’re involved in a legal dispute, including free access to a legal helpline.
Common areas cover
from £2 per month
Cover items kept in porches, hallways and other locked common areas within your building.
Gardening cover
from £1 per month
Cover for gardening equipment that you keep in locked sheds or outbuildings.
Pet damage cover
from £5 per month
Cover your items against accidental damage by your pets. Excludes soft furnishings.
Key limitations
Co-op Renters Insurance is administered by Urban Jungle Services Ltd and underwritten by Canopius Managing Agents Ltd at Lloyd’s of London.
Applicants for insurance are subject to normal underwriting criteria.
Co-op Insurance Services Limited will receive a percentage commission from your insurance payments.