We live in the technological age where we carry with us the kind of gadgetry that would dazzle our forefathers. Young people in particular are generally the biggest exponents of the latest gizmos and new fangled technologies, and therefore the average student carries a wealth of possessions on a day to day basis. These gadgets become part of our everyday lives, and because they are generally so small in stature, it’s easy to underestimate just how much MP3 players and smart-phones are worth. Student specific insurance caters for this expensive and losable paraphernalia.

Students often share accommodation, sometimes on a large scale in halls of residence, or, in a shared house. The flow of people passing through their everyday lives is endless. Loss, accidental damage and theft are commonplace so contents insurance tailored for students is vital.

The laptop and the mobile phone are our portholes to the world. They organise our lives and in recent years we have become nearly dependent on our access to them. Existing without a laptop or a mobile is a bleak prospect for the modern student. The best Student Insurance policies provide a 24 hour mobile phone and laptop replacement service covering theft, loss and accidental damage.

Some student accommodation providers may offer some form of cover but it often won’t be too comprehensive. If you want to protect against theft or loss you really need your own tailored package.

Other benefits can include bicycle cover – a bicycle being a necessity in cities like Cambridge and Oxford. With transport costs soaring and inner city life becoming more and more averse to car usage, the bike is many a student’s preferred mode of transport.

Being a student often comes with a newfound sense of freedom and it would be a shame for the experience to be tarnished by loss, theft or damage to your goods.