Student contents insurance

• It's a policy that could protect your stuff against loss, damage or theft
• Standard policies usually cover items like your clothes, books, electronics and musical instruments if they're worth under £1,000
• You could get extra cover for high-risk items like laptops and bikes
• Some policies offer add-ons to protect against accidental damage and loss

Here's our guide to tenants' insurance if you'd like more details.

If you're a student, the last thing you'll want to worry about is having to fork out money to replace your stuff after a theft or burglary.

With contents insurance, you could protect yourself against theft and even get cover for damage or loss. Recent research shows that:

• Students are more likely to be victims of property crime than those in other groups says the Office of National Statistics.
• The average student has possessions worth £3,658 according to Endsleigh.
• Aviva received three times as many claims for stolen and damaged mobile phones in 2014, compared to 2010.

As a student, you might have lots of expensive stuff that appeals to thieves.

There are a few simple steps you could take to lower your chances, such as ensuring your house is properly secured and not flashing your valuables in public.

Make the most of your policy by checking the following:

• The terms and conditions, as some policies may have specific requirements, for example, locking the bedroom door when leaving the house.
• Don't assume your things are covered by your parent's home insurance policies. Parental policies will often have certain exclusions which won't give a student the full cover they need.
• The excess before buying, as it might not be worth paying £250 excess for a £300 laptop.
• The period of cover, as the policy may not cover your belongings when the term time ends if you're relying on your parents' insurance.

Endsleigh is the No 1 student insurance provider. With over 50 years of experience working with students, Endsleigh is the only provider recommended by the National Union of Students (NUS).

They know how important it is to stay connected while you're at uni, not just to family and friends but to your studies too. That's why Endsleigh offers cover that includes the promise of 24 hour replacement for laptops and phones*.

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

We were the UK's first insurance price comparison website, so we'd like to use our expertise to help you make the most of your policy.

We have a wide selection of guides to help you out, such as our article on home insurance excess explained.