
Applying for accommodation at your chosen university can be a confusing process, and it's not always clear whether you should apply for accommodation at your insurance choice. The answer varies depending on the university and its policies. Some universities only allow students to apply for accommodation if they have made them their firm choice, whereas others will allow you to apply regardless. In some cases, universities will only allow students to apply for accommodation at their insurance choice after results are released, if they have missed the requirements for their firm choice. It's important to check with your chosen universities to understand their specific accommodation application processes.
| Characteristics | Values |
|---|---|
| Whether to apply for accommodation at an insurance university | Depends on the university. Some universities allow applications only if they are the firm choice. |
| Application process | Some universities allow applications for accommodation only after the insurance choice is confirmed, while others allow applications before results are announced. |
| Allocation of rooms | Some universities allocate rooms before results are out, while others wait until they know who is coming. |
| Reallocation | If a student with an accommodation offer chooses another university, their room may be reallocated to another student. |
| Alternatives | Students holding insurance offers may need to explore alternative accommodation if university accommodation is full. |
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What You'll Learn

Firm vs insurance choice
When it comes to choosing a university, you may have a firm choice and an insurance choice. Your firm choice is the university that you most want to attend, and you will have selected this as your first choice on your UCAS application. Your insurance choice is a backup option, which you will be accepted to if you do not meet the requirements for your firm choice.
The process of applying for accommodation can vary depending on whether a university is your firm or insurance choice. Some universities, such as Exeter, will only allow you to apply for accommodation if they are your firm choice. In this case, if Exeter is your insurance choice, you will not be able to create an accommodation account or start the application process until you change your decision and make them your firm choice.
On the other hand, some universities, like the University of York, allow students who have selected them as an insurance choice to apply for accommodation. However, there is no guarantee of accommodation in this case, and applications will be considered only after all guaranteed students have been offered accommodation.
The University of Nottingham is another example where the accommodation application process differs for firm and insurance choices. If Nottingham is your insurance choice, you can only apply for accommodation on results day if you miss your firm choice.
It's important to note that the accommodation application process can vary from university to university. While some universities may only allow firm choice applicants to apply for accommodation, others may accommodate both firm and insurance choice students. Therefore, it's always best to check with the specific universities you've applied to for their accommodation policies and application processes.
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Application deadlines
For example, the University of Exeter states that you will only be able to apply for accommodation if you have made them your firm choice. If Exeter is your insurance choice, you will not be able to create an accommodation account or start the application process until Exeter becomes your firm choice. Similarly, the University of Reading mentions that students holding insurance offers should explore alternative accommodation arrangements if university accommodation is full.
On the other hand, some universities, like the University of York, allow students who have selected them as their insurance choice through UCAS to apply for accommodation by a specified deadline, such as 31 July 2025. While your application will be considered, accommodation is not guaranteed for insurance choice students.
Additionally, some universities may have different application deadlines for their accommodation guarantees. For instance, the University of Exeter mentions that submitting an application after 31 July may impact their ability to make an offer, as it depends on the exam results of students in their "guaranteed" pot.
It is worth noting that even if a university only allows accommodation applications for firm choice students, you may still be able to contact them directly to express your interest in accommodation if they become your insurance choice. In such cases, they will do their best to provide you with accommodation.
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Allocation of rooms
The allocation of rooms in university accommodation is a process that can vary depending on the university and individual circumstances. Some universities only allow students to apply for accommodation if they have made the university their firm choice. In such cases, students who have the university as their insurance choice may not be able to apply for accommodation until their place at the university is confirmed. This can result in a limited number of accommodation options or the need to explore alternative accommodation arrangements.
However, there are universities that allow students with insurance offers to apply for accommodation, although they may not be guaranteed a place. Their applications may be considered after all guaranteed students have been offered accommodation. Some universities may also have different application processes and timelines for insurance applicants, such as allowing applications only on results day or after a certain deadline.
It is important for students to check with their chosen universities to understand their specific accommodation application processes and requirements. This includes understanding the application deadlines, as some universities may have strict cut-off dates for accommodation applications, while others may offer more flexibility.
When applying for accommodation, students are often required to rank their room choices in order of preference. This may include specifying the desired room type, such as single-occupancy or ensuite rooms, and indicating any specific colleges or residences they prefer. Universities may also ask students to provide consent for data sharing, allowing them to communicate with family members or carers about the accommodation offer.
While the allocation of rooms can vary, universities generally aim to provide accommodation to their students, whether they are firm or insurance choices. However, it is always advisable for students to stay informed about their university's accommodation process and to apply within the specified timelines to increase their chances of securing their preferred accommodation options.
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Contacting the university
When it comes to contacting the university about accommodation, it's important to recognise that policies vary between institutions. While some universities allow you to apply for accommodation at your insurance choice, others may only offer this option if they become your firm choice. Therefore, it's crucial to consult the specific university's website or admissions team for accurate and up-to-date information.
For example, the University of Reading states that students with an insurance offer should explore alternative accommodation arrangements if university accommodation is full. They encourage students to log into their online portal to apply for a place in halls, but it's unclear if this applies to insurance choice students as well. In contrast, the University of Exeter explicitly mentions that students cannot apply for accommodation if Exeter is their insurance choice. They must first change their decision and make Exeter their firm choice to initiate the accommodation application process.
On the other hand, the University of York takes a different approach. It allows full-time students who have accepted a firm or insurance offer to apply for accommodation. While they guarantee accommodation for those who meet specific criteria, they still encourage applications from those who don't, with a deadline of 31 July 2025 for the 2025/26 academic year. Similarly, a student on Reddit mentions that their insurance choice, Loughborough, instructed them to contact the university directly about accommodation. This highlights the importance of reaching out to the university for clarification.
When contacting the university, it's advisable to utilise multiple communication channels to ensure a prompt response. Start by visiting the university's website, where you can often find dedicated pages or FAQs addressing accommodation queries. Additionally, look for contact information, such as email addresses or phone numbers, specifically for the accommodation office or admissions team. Emails are a convenient way to obtain written confirmation of the accommodation application process, deadlines, and any special instructions. However, a phone call can provide an opportunity for immediate clarification and a more personalised explanation of your options.
Remember, each university has its own procedures, and it's essential to respect their individual protocols. Be prepared to provide any necessary information, such as your application number or student ID, when making enquiries. By being proactive and informed, you can ensure you're taking the right steps towards securing accommodation at your chosen university.
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Alternative accommodation
Whether you need to apply for accommodation at your insurance university depends on the university in question. Some universities only let you apply for accommodation if they are your firm choice. Some universities will not have room for insurance applicants in their accommodation, while others will. Therefore, it is best to check with the universities you have applied to. For example, the University of Reading states that students holding insurance offers should explore alternative accommodation arrangements if university accommodation is full.
If you are unable to secure accommodation at your insurance university, there are alternative accommodation options available. One option is to live at home or with relatives or friends, which can offer a more affordable lifestyle, especially if the university is located in an expensive area. Another option is to rent privately, either by yourself or with other students. However, keep in mind that utilities and other bills may be added to your rental fees. You can look for private accommodation options through university housing services, which often have a property database with private landlords, letting agents, private halls, and other providers of private housing. They may also provide free legal advice and a contract-checking service. Additionally, some universities hold housing fairs where you can explore private accommodation options.
Another alternative is to participate in a homeshare or homestay program, where you can live with a host family or offer support to an individual in exchange for free or reduced accommodation costs. This option is particularly popular with international students who want to experience British family life or practice their English language skills. Homesharing can be a rewarding experience, but it may not be for everyone. It requires balancing your studies and social life with providing consistent support to your householder.
Some universities provide direct support to students seeking alternative accommodation, so be sure to reach out to the relevant departments or services for guidance.
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Frequently asked questions
It depends on the university. Some universities only let you apply for accommodation if they are your firm choice. Other universities allow you to apply for accommodation at your insurance choice. It is best to check with the university you are applying to.
If you are unable to secure accommodation at your insurance choice, the university will typically provide you with guidance on alternative accommodation arrangements.
The application process and timeline for accommodation depend on the university. Some universities allow applications before results are released, while others require you to wait until your place is confirmed. Check with your university for specific instructions and deadlines.
































