Students may be poor, but they often own a lot of expensive items, from laptops, iPods and mobile phones to TVs and cameras - often with a total value of more than £2,000. But they stay in temporary accommodation where security is often lax and live a typical student lifestyle.

This makes students one of the groups most likely to become victims of crime, yet according to findings from the Home Office, many don't bother to insure their belongings at all. One in three students become a victim of crime, but many are ignoring the risk. Read more »

The rise in mobile phones has led, inevitably, to an increase in fraud, thefts of handsets and countless numbers getting lost or damaged. Over 2m mobiles are stolen each year in the UK alone, and over 4m are lost or damaged, so there is a real chance that something could happen to your phone. If you don't have insurance and you're on a monthly contract, you'll have to keep paying the line rental for the remainder of the contract or replace the phone yourself which could mean a large bill.

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Payment Protection Insurance (PPI) is often sold alongside loans, credit cards or mortgages to cover repayments if you are unable to work through accident, illness or unemployment in some circumstances. It has picked up a bit of bad reputation in the last year or two, not because it was a poor product, but because it wasn’t always being sold in the right way.

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Have you ever wondered what would happen if you were unable to work because of sickness or injury? How would you meet your mortgage payments etc? Not surprisingly, most of us would struggle if this kept us from working long term. If this is the case with you then there is a common way of insuring yourself against this unfortunate eventuality. Read more »

Buying insurance is probably not something that is always at the front of your mind. The' It won't happen to me 'approach is also not uncommon, but ask someone who it has happened to and you will find a different take on the need for insurance!

By ensuring you are adequately insured makes it easier to deal with any unfortunate events that materialise. Even if they don't you will have benefited from peace of mind that can be worth the price alone. Read more »