Features: Student insurance

Insurance provider Endsleigh explains the benefits of protecting your possessions by taking out an insurance policy during your time at university…

It's easy to forget about insurance when moving to university. Especially if like most students you're more focused on other things such as piling your belongings into the back of a car for the second or third time and juggling hundreds of course books and folders. By the end of the term, most students have realised the necessity of insurance, learning harsh lessons from friends and acquaintances who have suffered because they forgot to take out a policy.

Why do I need insurance?

Insurance is more important now than it has ever been. It's not just about insuring a house or a car - according to research by the National Union of Students (NUS) in 2011, the average student now carries around £1,981 worth of gadgets with them on a regular basis, making the cost of replacements too high without having to save for a while.

It's not just about cost either, because of the rise of smartphones and ultra-books, the loss of a gadget now means a lot more than just losing physical hardware, as it has all of your digital history and files, too. Think about it, we all use our phones as digital cameras, and losing a phone can mean losing hundreds of photographs.

Insurance brings peace of mind

It's hard enough remembering when your lectures are and what the word count on your dissertation is without having to worry about what will happen if your laptop breaks. Taking out an insurance policy can make university better, simply through peace of mind.

The idea of insurance is an easy one to grasp; a little money each month will keep you covered in the event that something does go wrong with any of your prized belongings. After all, it's easily done - 63% of all mobile claims are due to them being dropped, rather than theft, meaning that you're more at risk from your own clumsiness than burglars.

How much does insurance cost?

From as little as £8.99 a month* to protect a smartphone and laptop, it's far cheaper than having to replace any that have been stolen or damaged.

Endsleigh offers low-cost cover as well as 24-hour** replacement for your laptop and mobile phone. To find out more and to get a quote visit Endsleigh .

*£8.99 is based on a student living in halls of residence already covered by Endsleigh, covering a mobile phone and laptop up to the value of £750 each.

**24 hours represents one working day from Endsleigh approving your claim.