Look after your gadgets and other possessions with a student insurance quote from Endsleigh
Student accommodation can often be targeted by thieves, because a lot of students have expensive items such as laptops, tablets and smartphones. It’s never fun to be the victim of theft or other misfortunes, but student insurance will at least minimise the cost and inconvenience if your possessions are stolen, lost or damaged.
It’s contents insurance specially designed to cover the sort of stuff students own, like your gadgets, books, clothes and bicycle.
The policy will pay out if the unexpected happens and your possessions are lost in events like a fire, theft, flood or storm.
You build the policy you need – so you’ll need to add high-value items like gadgets, bicycles and musical instruments to your policy.
Things like accidental damage, cover away from home and insurance for losing your keys are all optional extras – add them if you need them.
Here’s what you can choose to include in your policy:
Cover for your gadgets anywhere in the UK and worldwide for up to 90 days.
Gadgets can be covered for loss, theft, accidental damage and liquid damage, as well as cover for your digital downloads.
Cover for your possessions anywhere in the UK and for up to 90 days worldwide.
You can choose to cover just your everyday items, your valuables worth more than £500, or both.
Cover your instruments and accessories for theft and damage.
You’ll also be covered to hire a replacement while yours is being repaired or replaced.
Cover for theft or damage to your bicycle and its accessories.
In halls of residence or a student house you probably have a lock on the door to your own room. This’ll cover you for losing your keys.
It’ll help pay for a locksmith to get you back in and replacement locks.
If you have to leave your course due to accident or illness, this will cover the money you’d lose in course fees and rent. Plus help to cover the cost of resits.
It can help to cover the cost of reproducing lost or damaged coursework too.
There’s only a few things we need to know to get you a quote:
The usual things like your name, DOB and email address
What university you attend and whether you’re in halls, private accommodation or elsewhere
Choose what you want to include to build your own policy
Register your expensive possessions - Log your more expensive possessions on Immobilise.[†] If they’re stolen, the police can trace them back to you if found and return them. Data can’t be replaced, so back it up.
Keep valuables out of sight - Make sure any cash and high-value items are kept in a safe, hidden place.
Secure your room - Keep all your windows and doors shut, especially if you have a ground floor room.
Four suggestions for lowering the cost…
Only pay for cover options that you need
Look after your stuff and keep valuables out of sight
Paying monthly’s more expensive, because interest is charged
Don’t double up on cover – check whether you’re covered on your parents’ home insurance
Getting buildings insurance is down to your landlord or university - whoever owns the building. It’s not your responsibility.
Some university accommodation contracts include insurance but not all, so check before you move in.
Not always, so make sure you read the terms and conditions of your policy carefully. Whether you live in halls of residence or a shared house might also affect your policy, so double check the small print.