Student gadget insurance

When you head to university, your gadgets will become your most cherished items – you’ll use them for studying, socialising, and of course making the agreed number of calls to mum and dad!

Now imagine what uni could be like without them – after all, all it takes is a spilt coffee or hand slip to put your phones, laptops and tablets out of commission for good. 

Student gadget insurance is simply cover you can take out to protect your gadgets while you’re living away at university, and will usually provide cover against a range of risks, both inside and outside of your accommodation.

Here at Endsleigh, we’ll take the worry out of your week with our made-for-students gadget cover options, including:

Everywhere Student Packs

Pack up your cover in one easy policy with an Everywhere Student Pack, including laptops, mobiles and other portable items without the need to specify!

Simply choose your level of cover up to £1,000, £1,500 or £2,500 to protect your student items everywhere, both on and off campus.

Please note that your gadgets and belongings will only be covered if the replacement cost is less than the limit shown on your policy documents - you can find out more about replacement costs on our Everywhere Student Packs below.

Get a quote for your Everywhere Student Pack!

Build your own

If you have important items you want to protect at university, you may prefer to build your own policy – simply choose from the following cover options to personalise your cover:

• Bike cover
• Musical instrument cover
• Mobile phone insurance
• Gadget insurance
• Tuition fee, rent protection and coursework cover
• Key care

Build your own flexible student policy!

The ‘replacement cost’ is how much it would cost to replace your belongings should you need to make a claim.

With an Everywhere Student Pack, your gadgets and belongings will only be covered if the replacement cost is less than the limit shown on your policy documents, as follows:

• £1,000 pack = Cover for items that cost less than than £500
• £1,500 pack = Cover for items that cost less than than £750
• £2,500 pack = Cover for items that cost less than than £1,250

Here’s an example to show you how it works:

You have a mobile phone worth £450, a laptop worth £300 and a tablet worth £150 – because all of these items are each worth less than £500, they can be covered with a £1,000 Everywhere Student Pack. With this £1,000 Pack, you will be provided with up to £1,000 cover throughout the year for all your items, as long as the total cost of your claims isn’t more than £1,000. 

What happens when I make a claim?

Say you bought a new laptop that cost £300, and purchased an Everywhere Student Pack policy that provides £1,000 of cover for items with a replacement value of up to £500.

A few months later, you (sadly) drop and damage your laptop. Because the replacement cost on your policy is £500 and your laptop only costs £300 to replace, this will be covered under your Everywhere Student Pack policy. Had your laptop cost more than £500, it wouldn't be covered and you would be unable to make a claim.

Remember: It's always worth checking that your items don't cost more than the replacement cost when taking out our Everywhere Student Packs. If any of your items do cost more than the highest replacement cost (£1,250), you can choose to build your own cover.

What about Endsleigh’s laptop/tablet theft policy?

Our laptop/tablet theft policy provides cover for devices with a replacement cost up to £1,250.

When you’re at uni, gadgets will be a huge part of your life. From streaming your favourite shows on your iPad, to tracking your workout with your smart watch; what would you do without them? No, seriously, what would you do if something happened them?

Insuring your gadgets is one of the smartest things you can do, especially when you’re a student. But which gadgets are covered?

Endsleigh’s student gadget insurance can include the following gadgets:

• laptops/notebooks
• smart watches
• MP3/4 players
• palm tops
• tablets
• e-readers
• digital cameras, video cameras and camera lenses
• portable games consoles
• satellite navigation and GPS devices
• headphones

Please note that we are unable to cover any gadgets over three years old at the time cover starts.

Click here to get a quote and protect your gadgets.

Insuring your gadgets will usually be the sensible thing to do if they are less than 3 years old. It makes sure they’re protected if they’re stolen, lost or even accidently damaged. If you’re at uni, chances are, you’ll be out socialising more than ever – and so you should be!

Whilst you’re having a great time, your gadgets are probably more at risk of being damaged than ever before. On a student budget, could you afford to replace your phone/laptop/camera if something happened to them? If the answer is ‘no’, it’s time to seriously consider student gadget insurance.

Click here to insure your gadgets and get a student-friendly quote within seconds.

Once you move to university, you may find that your gadgets and belongings are no longer covered under your parents’ or guardians’ home insurance policy – and even if they are, it may not provide the comprehensive level of cover as you need to protect your gadgets in your new lifestyle. For example, you may want to check that your gadgets will be covered whilst you’re on nights out or at lectures, rather than just in uni accommodation. Did you know that most claims are for accidental damage?

Find out more about the cover provided by your parents' home insurance.

Finding the best student gadget insurance for you can be quite the task. So, why not check whether you’re already covered without knowing? Some accommodation providers arrange contents insurance on behalf of their students whilst they’re staying with them, how great is that? Often this insurance policy will be with Endsleigh. You can check whether you have any student cover in place with Endsleigh here.

However, sometimes these policies will only cover your gadgets in certain circumstances (for example, only whilst the gadgets are within your accommodation). For this reason, you may still want to check the limits of the policy and decide whether you need any additional cover in place. This will make sure that you protect your gadgets against risks such as theft, loss or accidental damage even whilst you’re out and about at uni.

Click here to insure your gadgets and get a student-friendly quote within seconds.

Being at uni should be about more than worrying how you’ll replace your laptop if it gets stolen or damaged. It’s about meeting new friends, having fun, new experiences and working towards your long-term career goals.              

You worked hard for everything you have and you’ve put a lot of time, effort and ambition into getting where you are. Don’t let an accident with your gadget stop you from getting the most out of your uni experience.

Here are some ways which you can protect your gadgets and keep them safe.

1. Use a gadget case

If you can purchase a case for your gadget, do it! The likes of phones, cameras and laptops are much less likely to get damaged if they’re protected with a case.

2. Protect glass screens

Using a screen protector can save you a lot of money replacing screens, especially if you’re prone to dropping your phone/tablet.

3. Be careful when traveling

If you’re at uni, chances are, you’re traveling to and from home to visit family/friends. Pack carefully, cushioning your gadgets as well as you can.

4. Avoid using your back pocket

As convenient as it may be to pop your phone/iPod in your back pocket, try and avoid doing this to stop unnecessary cracked screens and uninvited toilet disasters!

5. Insure your gadget

Insuring your gadget can mean that when accidents do occur, you don’t have to spend your time stressing how to replace them. At Endsleigh, we’ll even replace your gadget with 24 hours of your claim being approved (if item is lost*, stolen or unrepairable). * If loss cover is selected.

To read more about how to protect your gadget, click here.

To get a gadget insurance quote from the best student gadget insurance provider*, click here.

*Voted the 'Best Student Insurance Provider' at the ICAs 2019

If you’re heading home for a few weeks during the university holidays, you may decide to leave some belongings behind in your accommodation so you don’t have to lug everything back and forth. In this instance, they will still be covered under your contents policy (as long as the policy is still in force).

Please note that our policies will only provide cover for up to 60 days unoccupancy, so if you’re planning on leaving for longer than that you may need to update your cover, or take your gadgets with you. You should also make sure that your property is secure and your belongings are left out of sight when you go home for the holidays. 

If you also need to protect your contents in student accommodation, such as your clothes, books and furniture, you can arrange this under our build your own policy – simply select ‘contents cover’ when you get a quote. This will ensure your belongings are protected against risks such as fire, theft and flood while they’re inside your accommodation.

Find out more about student contents insurance.

We can also provide cover for musical instruments and bicycles at university - these items can be easily added to your quote online.

We know what a hassle it can be to lose or break a gadget, so we want to make our claims process as quick and easy as possible for our customers. That’s why we have a number of flexible claims solutions for gadget insurance, including:

24 hour replacement

If your gadgets are lost, damaged or stolen, with replacement in 24 hours once your claim is approved (if item is lost*, stolen or unrepairable). * If loss cover is selected.

New for old replacement

Our approved supplier will replace your lost, stolen or unrepairable gadgets with a brand new model - or the nearest equivalent model if yours is no longer available.

Repair

Our approved supplier will repair your item and include a 6 month warranty on all works completed to give you piece of mind.

Apple refurbishment

If you have an Apple gadget, you can visit your nearest Apple Store and we'll reimburse you for the cost of obtaining an immediate refurbished replacement.

Amazon voucher

Our approved supplier will email an Amazon voucher for you to redeem straight away.

Cash settlement

If a cash settlement is the best option for you, let us know and we can make the necessary arrangements.

For each claim, you'll pay the first £50 except for a loss claim where you'll need to pay the first £75 of the claim.