The average value of a student's possessions at uni or college is over £3,000. the cost of annual premiums can be relatively low and the policy will be particularly appropriate to a student's circumstances, often taking into account the fact that you may be transporting your belongings from a parents home to your halls of residence or rooms.

Some insurance companies will offer tailor-made cover to give you the protection you need at an affordable price while you're studying and not earning. Then, when you graduate and your insurance needs change they carry on covering you and your belongings in the future.

A typical policy may include;

Computer equipment Cover - Computer equipment is: monitor; hard drive; mouse; keyboard; printer; scanner; pre-loaded software.

•  In and out of your room - covers accidental loss, theft or damage.

•  Room only - restricts cover to your room(s) and excludes accidental damage.

Vacation top-up - belongings left in off campus accommodation during holidays if unoccupied are not covered. This section allows you to cover your things when left behind for up to 35 days per holiday.

Items that you take outside of your room(s) - covers theft, loss or damage to specific items such as sports equipment and photographic equipment.

Mobile phone - cover for your phone against theft, damage or accidental loss, plus airtime abuse.

Loss or damage - to meters, phones, library books; college property on loan; landlord's property.