August 2006

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MORE TH>N home contents insurance for your children while at university

SEND YOUR CHILDREN OFF TO UNIVERSITY WITH PEACE OF MIND

- £11,250 of contents cover and FREE legal helpline for policyholders’ children at university
- The Family Legal Services add-on includes access to online legal documents, legal fees and mediation services
- Save over £140 compared to the average cost of a specialist student policy1

With the rising costs of student fees and accommodation, parents can face a huge financial burden when their children go away to university. MORE TH>N home insurance is helping to ease the costs for parents by making 15 per cent of their own household insurance cover (£11,250) available to their children, at no extra cost , while they are studying at college or university.

Student houses are one of the most common targets for burglars due to their relatively poor security. They are often filled with high value items such as computers, mobile phones and stereos. A typical British student has an average of over £4,000 worth of possessions2.

A MORE TH>N home insurance policy also gives free legal advice. This is particularly useful if a dispute arises with a landlord, which is, according to MORE TH>N’s own data, is a common cause of calls from students’ parents. The 24-hour legal helpline is manned by qualified legal professionals and is available for any family member to use.

Craig Allen, Head of Home Insurance at MORE TH>N, commented: “Parents can have a lot to think about when their children go away to university, to ensure they are financially secure and protected against any eventuality. With our students’ possessions cover, parents can rest assured that their children’s valuable belongings are properly covered. Our legal helpline can also help parents should they need to deal with sorting out leases or disputes with landlords.”

The Family Legal Services section of MORE TH>N’s home insurance costs £18.38 per annum and provides families with a comprehensive package including:
- Cover up to £50,000 for legal fees. For example, should their son or daughter get involved in a dispute with their landlord or a third party, MORE TH>N can give the parents and their children advice and act on their behalf.
- Access to over 200 professionally written interactive legal documents, e.g. ‘demand for repayment of deposit’ letter.
- Access to professional advice, mediation and representation at employment tribunals or in court for any member of the family.

For further information on home insurance from MORE TH>N, customers should log onto www.morethan.com/home or call 0800 300 660, between 7am and 11pm Monday to Saturday and from 9am to 5pm on Sunday.

For further information
Rachael Shaw
External Communications Consultant
MORE TH>N
Tel: 020 7337 5728
Notes To Editors:

1. MORE TH>N could potentially save students £143 compared to the average cost of a specialist student possessions policy (based on £8,000 of cover). Prices correct as at 31 July 2006.

University Premium for specialist student policy
Heriot-Watt University, Edinburgh, EH14 £85
University of Manchester, M13 £213
University of Birmingham, B15 £173
Oxford University, OX1 £122
Cardiff University, CF10 £122
Average £143
Source, Endsleigh Insurance
2 According to Endsleigh Insurance, July 2006.

Home contents insurance from MORE TH>N includes:
- £75,000 contents cover as standard (higher limits available on request).
- Up to £7,500 High Risk items cover for those valuable, more likely to be stolen possessions such as PCs, TVs, Cameras, Jewellery and Art (higher limits available on request).
- ‘New for old’ replacement of damaged or stolen goods.
- 24 hr Emergency Helpline – freephone support and advice available when it’s needed, 365 days a year.
- Up to £150 Emergency Repairs benefit – we will arrange for a competent and experienced contractor to make the repairs. This also includes emergency overnight accommodation.
- Children’s College cover – as part of our standard cover, if a child is still living at home, their belongings in their college accommodation are protected (up to 15% of the sum insured).
- Moving Home cover – when moving home belongings are covered against loss or damage as long as professional removal contractors are used.

MORE TH>N Family Legal Services includes:
- Cover up to £50,000 for legal fees if you or a member of your family needs to go to court to protect yourself in respect of personal injury, consumer protection, residential disputes, employment or tax issues.
- Access to over 200 professionally written interactive legal documents.
- Access to professional advice, mediation and representation at employment tribunals or in court for any member of the family.
- Family Legal Services costs just £18.38 per annum with a MORE TH>N home insurance policy.

MORE TH>N is the direct financial services arm of Royal & SunAlliance. It offers motor, home, pet, travel and life insurance as well as a credit card via the internet and by phone.

MORE TH>N is a registered trademark of the Royal & Sun Alliance Insurance Group plc and a trading style of Royal & Sun Alliance Insurance plc (No.93792). Registered in England & Wales at St.Mark’s Court, Chart Way, Horsham, RH12 1XL. Authorised and regulated by the Financial Services Authority.

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