Heading off to university is an exciting time in your life. That’s why it’s important to make sure you don’t cause yourself any unnecessary stress by losing or damaging your most valuable possessions.
You may be unfamiliar with the ins and outs of an insurance policy, particularly if it’s your first time taking one out. This article will explain how a student gadget insurance policy works, with real-life examples of where it pays to have one set up.
What is classed as a gadget?
When it comes to student gadget insurance, you may be wondering which of your belongings is covered:
• Mobile phone
• Camera and lenses
• Sat Nav
• Games console
• Portable Audio
• PDA/Palm-top computer
You can cover any or all of the above gadgets with your policy.
Why insure my gadgets?
What will you be taking to university? Your phone? Your laptop? Your PlayStation or Xbox?
Insuring your gadgets means that if anything were to happen to them, such as water damage or theft, then you’d be covered. Of course, your cover depends on the conditions outlined in the policy you choose, so make sure you have the flexibility to tailor your plan to your needs. Below are some typical scenarios where it pays to have a student gadget insurance policy:
• Dropped phone down the toilet– a frustrating ordeal that can happen in a split second. But not to worry – if your phone suffers liquid damage and stops working, our student gadget insurance automatically provides cover for this.
• Stolen Xbox – it’s not nice to think someone would steal your belongings, but unfortunately this can happen. Be aware of who is in your student accommodation and keep your room locked whenever you leave. Our student gadget insurance policy will cover you for theft, with replacement in 24 hours once your claim is approved.
• Camera broken on field trip– if you’re a keen photographer and you take your camera out on a field trip with your course, an accident could occur that leaves your camera damaged. You might drop it on a rock, or someone could tread on it if it ends up in long grass. Make sure you understand the “repair” element of your insurance policy, as this could help you get your camera back to good as new.
• Lost headphones – with so much going on at university, it can be easy to forget things. For instance, you may take your headphones to the library with you for an essay-writing session, but accidentally leave them there. Or, they could easily fall out of your bag while you walk around campus. Lost headphones can also be covered by a gadget insurance policy.
Why gadgets for students are important
Before taking all of your gadgets to university, it's important to think about how you'll use them while you're there. If you're planning on using your laptop for your studies, you might want to protect it when you're out and about at lectures or study groups. You'll also need your phone with you at all times for emergencies and keeping in touch with friends and family.
Aside from gadget insurance, there are many other student insurance plans available to give you peace of mind when you move to university. If you’re taking your car with you, why not have a look into student car insurance? Or student contents insurance to protect the items that aren't covered by gadget insurance, such as your television.
Find out more about our student insurance products.