Laptop Insurance for University Puples

12 Jul 2009 @ 9:24 AM

Laptop Insurance for University Puples

With the new academic year soon to start, the sales of Laptops, Notebooks, Cameras, iPods and mobile phones reaches one of the biggest peaks of the year, comparable with pre Christmas sales, as students stock up with all the latest gadgets for their new adventure of leaving home for the first time as they head of to University.

Many students are required to own a laptop computer by the collage as part of the course, whilst worrying parents insist on the departure of their children is accompanied by the latest mobile phone; a simple trick to make sure the parents can ring their child whenever they want to check they are safe!

Many of new students will head for University halls of residence for the first year of the course. For most of the puples, this will be the first real time they have left home and had to fend and finance for themselves, which for many, this will prove to be a learning curve to say the least.

As the new student will be away from home for the first time, along with hundreds of other students, excessive partying is part of the course. There will be plenty of occasions throughout the first year when things will get out of control, especially when alcohol has been involved with young adults who have just found freedom!

Going back ten or twenty years things were roughly the same, except without the modern gadgets like laptops, mobiles and iPods. So when partys continued in the halls of residence after the student bars had shut, but there was not the same sort of valuable items in the students rooms.

Today the value side of things is rather different, electronic devices can easily add up to 1500 pounds and that is on the conservative side of the market. With all of the potential dangers to these products from excited, partying students, it may well be worth considering Laptop Insurance that will cover for accidental damage and theft, but make sure water damage is included, as with all the partys, a knocked over bottle of drink could easily destroy a new laptop in seconds!

Now you could check your home contents insurance, as many companies offer ‘an away from home’ type of cover for expensive items, if you consider this method you should be aware of the following two points. Know what the excess fee will be, as is often a lot higher than stand alone policies. The second and important point that is worth knowing about is, if you make a claim on your home contents insurance, will you loose your no claims bonus? and or will the policy renewal premium sky rocket as you have made a claim?

When you make a claim on a stand alone policy the policy will often end after a claim, so you just take out a new policy at the same price.

Mobile Insurance that is a stand alone policy may well be worth a look at as well, but as with the Student Laptop Insurance, it is best to make sure water damage is included within the policy, as some insurance companies exclude water damage from the policy. This practise sounds a bit odd, but its just the way the insurance business works and manages their liabilitys. So to get top value from stand alone Insurance Policies, check for liquid damage, as students will damage or destroy thousands of electronic items with spilt liquids in the coming year!