| Forcible and violent entry (F&VE) is the | | | | insurance policies. Not having their possessions |
| terminology used within house insurance to describe | | | | covered for theft without F&VE is not in |
| break-ins. | | | | keeping with student lifestyles where students are |
| Most home insurance policies will cover you for theft | | | | used to coming in and out of each others rooms. Our |
| claims made with no forcible and violent entry. That is | | | | student claims experience suggests that over a third |
| to say that despite their being a theft there was no | | | | of theft claims follow no sign of break in to the |
| sign of break-in such as a broken window or door. | | | | property. Specilaist student insurance is available in |
| Common claims follow doors or windows being left | | | | these circumstances. |
| open or workmen stealing from the household. If you | | | | On a standard home policy covering non students, |
| are a tenant, it is not unknown for a previous | | | | non - forcible and violent entry cover is normally |
| occupant to retaain keys and commit a burglary. In | | | | provided but their can be exclusions with cash being |
| other examples, you may have your keys stolen | | | | the most likely exclusion. |
| which are later used to access your property. | | | | To find out what cover you have, you should always |
| Often home insurance companies also restrict the | | | | check your policy. You should also be aware that |
| level of non-F&VE cover available to residents | | | | their is a fine line between a non (F&VE) claim |
| of the home living away in temporary | | | | and negligence on behalf of the policyholder which |
| accommodation. The most typical example is | | | | can invalidate claims. |
| students who are covered under their parents home | | | | |