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students, with an average of ? 2,000 of gadgets, are three times more likely to be stolen by an average household. We welcome your coverage options

The average student now plans over ? 2,000 worth of laptops, smartphones and bike to school, but they are almost three times more likely to be stolen from a traditional family home. So what to do on the insurance purchase?

In general, there are two options. Obtain coverage through the policy content of the resale of their parents, or to purchase your own specialist student politics

Use Policy parental home is the option (often totally free) cheaper. But some parents understandably cautious as theft ruin the discount for lack of disasters.

If you have a standard policy in the largest insurer Aviva UK, provided that the student is still living in the family home during the holidays, automatically have ? 5,000 to cover the care for property accommodation of the school year for students, whether home or a shared student halls on campus.

This will protect the property - including laptops, mobile phones and other devices - for all common risks such as fire, storm, flood or malicious damage. Theft is also covered, but only if someone physically violated in the case. So there is no coverage if, for example, you have a game in which your laptop is lost. The policy also includes standard bike stolen from inside your home student or a garage or shed.

If parents have additional personal belongings cover your Aviva policy, items such as a laptop, mobile phone and iPod also be covered when you are away from home in your apartment, or accidental damage. Otherwise, it can add about ? 27 to ? 2,000 per year worth of coverage, including ? 750 for silver, and the single article limit of ? 2,000.

But not all contents insurance policies are so generous. Some just cover your property if you live on campus, in the rooms, for example, not if you live in a shared off-campus housing. Others include only items that are in their own individual room locked and in public spaces in the student housing as a stored television in the living room of a shared house.

If you are on private property share an apartment or a house, you need something more comprehensive. There are many policies available specialized students, so be sure to shop around.

he charges ? 81.70 pounds a year in London, with ? 3,000 of contents which include a ? 500 laptop covered away from home throughout the UK, and up to 30 days covers worldwide against accidental damage or loss, theft or fire.


Money Advice Service Independent Insurance Endsleigh point supported by the government also notes that the preferred supplier to some of the comparison sites online, which means that it is often directed into the Endsleigh website.

is suggested an alternative method of finding the best value is the use of an agent that specializes in this type of insurance. Search online for "insurance broker school" or "renter's insurance" broker, he advises.

Find best price for : --iPod--