Student Gadget Insurance

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Technology is advancing at a quicker pace than ever before, and tech gadgets are no longer just a ‘nice to have’ for students in universities and colleges – they’ve become a necessity.

A student gadget insurance policy is a risk management plan that protects the student’s portable gadgets inside and outside of the home or halls of residence.

Most college and university students have at least two to three gadgets they regularly use to produce their coursework, stay in touch, and socialize, so while student gadget insurance isn’t mandatory, it’s often a good idea for students with valuable gadgets.

Why do students need gadget insurance?

As a student, it’s crucial to purchase an insurance plan for your essential tech gadgets. The risk of having your gadget stolen, misplaced, or damaged is very high in a university or college environment.

What gadgets are covered by student gadget insurance?

Student gadget insurance can cover the following devices:

• Laptops
• Tablets
• Headphones
• e-readers
• Smartphones
• MP3/4 players
• Smartwatches
• Printers
• Digital cameras, and many more

What does student gadget insurance cover?

A student gadget insurance plan covers your essential student gadgets should they be stolen, damaged, or lost. First, you need to confirm with the insurance company as to what is specifically included in their student gadget insurance package.

It’s also worth bearing in mind that some insurance firms offer a discount when you insure multiple student gadgets.

How soon can you claim on your student gadget insurance?

Some insurers let you claim on your insurance immediately after taking the policy out, but many student gadget insurance policies do impose a preliminary period during which a claim can’t be made, which is often 14 days after the policy starts. The important thing is to check the terms of your student gadget insurance policy for more information on these exclusions.

Is your student gadget protected when not in university?

Insurance firms understand that student coursework often doesn’t always occur in the class environment, and students often travel for research and to gather data. Knowing this, many insurance firms offer worldwide protection for all student gadgets.

What if my gadgets are covered under my parent’s home insurance policy?

This could be true; your student gadget might already be covered by your parents’ existing home insurance plan. With this in mind, it would be a good idea to check what your parents’ home insurance does and doesn’t cover before proceeding to take out your own student gadget insurance plan.

How do I make a claim on my student gadget insurance?

• Get a call across to your insurer’s firm through their phone number listed on your policy paperwork to submit a claim.
• Describe the loss, theft, or damage in detail. While a claim form may be required, many insurers can collect information over the phone.
• Send whatever papers your insurer requests.

Student gadget insurance can provide a number of obvious benefits. On a student budget it is expensive to repair or replace your devices. With a comprehensive student gadget insurance plan, you don’t have to worry about how to get a replacement because your insurance firm will be there to lift the burden.