Insurance when a child leaves home: what should you arrange?

Liability: when does family cover still apply?

Many parents think a child automatically needs a separate liability policy, but that depends on the situation. A child who is still studying full-time and is not married often remains on the family liability policy. If your child starts working, living with a partner or living independently without that student status, a separate AVP is usually the smarter choice.

So do not only look at the key handover date. Look at the child's actual life situation, because that is what often decides whether the family cover can continue.

First home: contents and moving cover

As soon as your child has their own room, studio or apartment, the contents belong on their own policy. The items at the old address and the belongings moving to the new one need a temporary overlap, and that transition should be covered properly. Think furniture, laptop, bike, clothes and small electronics.

The actual move is often where misunderstandings begin. Contents can be covered at the old and the new address, but not necessarily while loading or driving. Make clear in advance what happens on moving day.

A new home brings a new risk profile

A private studio has different risk conditions than the family home. The way valuables are stored and secured can affect theft or damage cover. That is another reason to move the contents to an own policy instead of leaving everything on the parental household cover.

If old policies keep running after the child already forms a separate household, you pay twice for the same risk. It is better to phase out the old policy once the new one is active and correct.

Have the new household setup reviewed independently

An independent review makes clear where family liability still applies, where an own contents policy is needed and how the move cover should overlap. Your request stays with one advice firm and is not sent to multiple parties.