租房财物保险

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Content Insurance for Renting in the UK

 

In my previous article titled 'How to Buy a House in the UK? Can People in China Buy UK Properties? Can Tourist Visa Holders Buy UK Properties?' I mentioned the importance of purchasing insurance after buying a house in the UK, including content insurance (home content insurance or tenants' insurance).

 

Content insurance specifically covers the belongings inside a house. If any loss or damage occurs to the contents, the insurance provides compensation. There are various types of compensation methods available, depending on the coverage purchased.

 

In fact, it is advisable for international students renting in the UK to consider purchasing content insurance, especially if they have valuable items in their accommodation. In the event of loss or damage, this insurance generally offers a relatively fast claims process. The efficiency of capitalist economies shines in this aspect.

 

You can purchase content insurance online or through physical stores. However, it's important to carefully review the policy terms and check online reviews to choose the right insurance for your needs.

 

In reality, anyone who has lived abroad will notice that the efficiency of reporting incidents to the authorities is generally very low. It often seems ineffective, except for cases involving influential individuals, celebrities, or those with strong connections. In other situations, the process can be slower than the flash in Zootopia.

 

I remember that year when I was just a teenager and it was my first time studying abroad, aside from traveling. I was assigned to live in the student accommodation provided by the school. However, on the very first day, I lost all my money, cards, and more. That amount of money was a considerable sum for me at the time, as it was meant for immediate accommodation fees and living expenses.

 

My teacher accompanied me to the police station to file a report, but that's all we did. There was no further action taken. Since I had just arrived in a foreign country with a temporary visa, I didn't have any valid local identification to open a bank account. Thus, I found myself penniless, relying on a small loan from a roommate I had just met that day. Fortunately, my roommate was very kind and didn't mind lending me the money. I managed to get by until I obtained a bank account.

 

As a result, I later became quite generous in lending money to newly acquainted roommates or classmates. I would help others as much as possible. However, there were also some individuals among my fellow international students who had questionable characters. They specifically relied on borrowing money to deceive others. Unfortunately, I fell victim to their schemes multiple times, which led me to stop lending money altogether.

 

However, there was one friend among those who borrowed money who was different. This girl was exceptionally beautiful with a great figure, and there were countless people pursuing her. She was so stunning that those pursuing her were all wealthy individuals driving luxurious cars. We had a close relationship, often chatting and shopping together. I even met her father. However, she transferred to another school, and after she left, I heard rumors about her. It turns out she had a reputation for borrowing money from people, only borrowing small amounts but never repaying. Surprisingly, she had never borrowed money from me. On the contrary, she treated me to meals. Initially, I found it hard to believe the rumors, but as more people came forward, it was confirmed.

 

Therefore, besides protecting personal safety while abroad, safeguarding one's property is the second most important. This is especially crucial for students, as their assignments, papers, and reports are of utmost importance. Remember to make multiple backups in advance.

 

Apart from content insurance, it's also important to have travel insurance when applying for a Schengen visa. In my article 'How to Apply for a French Schengen Visa in the UK?' I discussed travel visas. Although the article was written in 2019, it still holds some reference value. Given the current special circumstances of the COVID-19 pandemic, it is recommended to purchase higher-priced insurance, particularly those that include coverage for COVID-19. Evaluate your specific situation to determine if separate COVID-19 insurance is necessary.