BIBA Brokers are the number 1 in the UK for student insurance Cover can be arranged for as little as £1.50 per month.

It's the time when many students are looking to begin a new term at University and it isn't just books that need insuring, many students have tvs, cars, videos, dvds and mobile phones. These are expensive and valuable items which could be costly to replace.   BIBA has received many calls from parents wanting more information about insurance for young people.   

And as statistics show that one in every four students is a victim of crime, it is essential that young people who are studying, get covered.  

To help, BIBA advises that students should be added on to their parents insurance or phone a BIBA broker for comprehensive, independent advice or a policy.

Top tips are: 

1.      Make an inventory of your possessions

2.      Ensure the policy covers these items  while in student accommodation, advise your broker of your move to Uni

3.      Check whether the items are covered for accidental damage (e.g. if you dropped a TV)

4.      Check whether items are covered while outside the accommodation, (e.g, is your camera fully insured if you damage or lose it away from your accommodation)

5.      If the car belongs to your parents, does the insurer know that you are now the user and that the vehicle is being kept at a separate  (university) address

6. Mobile phones -  Mobile phones may already be covered under your home insurance, check with your broker rather than taking put a specific mobile insurance policy

7. Shared accommodation - Tell your insurer you are in shared accommodation and don't leaving tempting items out in full view of room mates

8. Staying in dorms -  Always lock your room even if popping out for a moment

10. Expensive text books and jewellery - Texts books can be costly and often students possessions can exceed £3,000, make sure you are not underinsured.

11. Ask whether any other options could be added to the parents insurance.

12. Bicycles are often excluded and you will need to ask your broker specifically about covering them.

13 Possessions are often excluded if stolen from an unattended vehicle.so unload that car as soon as you arrive at Uni!