What You Need To Know About Gadget Insurance For Students

With over 400,000 students heading off to university this September, many will be taking an array of gadgets with them to their first year residence. From hard drives to headphones, university halls can house a wide range of expensive tech and most students can expect to be covered by a basic contents policy in their first year.

However, gadget insurance comparison ProtectYourGadget.com is urging students and parents to check their university’s insurance carefully, as Endsleigh’s basic policy – included as standard for most UK halls – will not cover any theft, loss or damage that occurs in a communal area and will often limit smartphone cover to theft only.

Eleana Martyn at Protect Your Gadget, said: “Although many students will be provided with contents insurance at university, it’s important to realise that most basic policies will only cover you while at home. That means if you’re studying in a communal living space or you’re in a coffee shop on campus and anything happens to your gadgets, you would need to pay the full amount to repair or replace them.

“We’ve all had that hellish moment when we spill coffee on our keyboard or watch our smartphone fall to the floor in slow motion, and with one in five students having been robbed while outside their home, it’s important to have comprehensive insurance in place to protect you from having to fork out should the worst happen.”

With recent statistics indicating that an increasing number of students are struggling financially, ProtectYourGadget.com is appealing to anyone setting off for university this year that although it is an added expense, having a dedicated gadget policy in place can be a small price to pay in comparison with the hassle and cost of replacing an item as valuable as a MacBook or tablet.   

Eleana continued: “Starting the first year of university is a hugely exciting experience, and when you’ve got everything from course schedules to fresher’s week to think about, insurance is likely to be the last thing on anyone’s mind. But taking out a policy is a relatively quick and affordable way of putting your mind at ease that your student loan won’t take any surprise hits along the way.”

“Unfortunately, a lot of parents will rely on their own home insurance to protect their families’ gadgets while at university, but we have to stress that, as with the contents insurance in halls, most home insurance policies won’t cover accidental damage or theft that occurs outside the house.

“This is where a gadget insurance policy can be beneficial, as from as little as £12.51 a month, your devices can be covered wherever you might be and you can rest easy knowing that your expensive kit is in safe hands.

Gadget insurance is designed to protect against loss or damage to your digital devices. From laptops to tablets, sat navs to smartphones, you can find a cost-effective policy which suits your needs through Protect Your Gadget.