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@eeehhhh
It's 'cause I live in university halls, so they think that everyone is completely pissed all the time and the whole property will get destroyed.
I'll be able to get contents insurance next year, but most insurance companies just aren't interested because I'm too high risk, apparently.
I haven't decided whether to go for CTC or LCC. Both seem equally impotent. I reckon LCC will want a London address which will be a pain for me, as I'll be back to Basingstoke over the summer (just kill me now), then London again and I just can't be arsed to change my address constantly so just leave it as my parents' house.