07 September 2021

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Five top tips for university freshers 

Congratulations on getting into university! As it's almost time to head off, we thought we'd offer you our best advice for surviving the next three years.

Bring your own kitchen equipment

One of the most exciting parts of university is living with a bunch of new people from different parts of the country. You meet loads of new friends and it’s great, but what really sucks about living with your new friends is that some of them won’t know their way around washing up bowls and the idea of putting their dirty plates in the dishwasher is alien to them. Our advice is to bring your own plates, cutlery and cooking utensils because there’s nothing worse than going to cook dinner and someone hasn’t washed up the communal saucepan.

Say yes 

It’s important to go to university with an open mind. You’re in a new place and the chances are you won’t know anybody, so it’s a great chance to find new interests by taking part in everything you can. By doing this you’ll meet new people and gain a whole load of fun and exciting experiences. 

Go to lectures

It’s a boring bit of advice we know, but it is important. The nightlife at university is fun, and there is a large number of people who go to university mainly for the social aspect, and it can be easy to get caught up in partying. Without your parents nagging you to do your homework or waking you up on a Monday morning after a heavy weekend, it will seem hard to get up for those early 9ams but at the end of the day you’re there for a degree and you need to put the effort in.

Budget yourself

It’s very tempting to spend your student loan as soon as it comes in, but trust us, that’s a bad idea. It may be hard to believe but there are more important things to be spending your money on than nights out. You’ll need to budget for food, textbooks, bills and rent so make yourself a budget so you can manage. Many banks offer student accounts with incentives such as cash, ASOS Premier membership and railcards. There are also discount websites such as UniDays and Student Beans which offer really good student discounts on many popular shops and brands.

Stay protected…

When you’re at university you’re suddenly given a lot more freedom as you become independent for the first time. With more freedom comes more risk and it’s important to keep yourself protected. You’ll be going out clubbing and partying and your mobile phone is more at risk of getting broken or stolen, so it’s vital you get your phone and gadgets insured - accidents do happen. You’ll also be doing lots of work at university, so it is important your laptop or tablet is protected. If it’s lost or stolen you’ll want it replaced quickly so your work isn’t affected. 

Want to get your mobile phone and gadgets insured before going to university? Good idea. We have a unique student discount for you (check out here student discount page here) to use so your devices can be protected at uni, at home and even abroad if you decide to take a gap year. Click the button below to get started and use the discount code NGStudent to save £7.50 on your insurance.

Use code NGStudent to save £7.50 on your mobile phone and gadget insurance

iPhone 12 Pro Insurance

iPhone 12 Pro

From £6.01 per month

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OnePlus 9 phone insurance

OnePlus 9

From £6.52 per month

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Samsung Galaxy S21

Samsung Galaxy S21

From £6.24 a month

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Apple iPad (2020)

From £4.93 a month

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Samsung A52 5G Insurance

Samsung Galaxy A52 5G

From £4.93 per month

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Apple Watch insurance

Apple Watch Series 6

From £5.40 per month

Let's Get Covered

Frequently Asked Questions

We have a choice of cover so that you can find the level of insurance that meets your needs. Our Essential level of cover looks after you in the UK or abroad for breakdown, loss, theft, fraudulent use and accidental damage (yes, that includes cracked screens and dropping your mobile/gadget down the toilet). In addition, we have other levels of cover that insure you against unauthorised calls and includes mobile/gadget accessories cover, extended cover abroad (365 days a year) and liquid damage. 

While you’ve probably got a 12 months manufacturer’s warranty this only covers you for mechanical breakdown. Our gadget and mobile phone insurance includes cover for cracked screens, liquid damage, accidental damage, loss and theft. Once your 12-month warranty is up, we cover mechanical breakdown too!

Your gadget or mobile phone might be covered under your home insurance but the cover is unlikely to cover all of your needs and could leave you without a mobile phone or gadget for a considerable amount of time (home insurance claims can take a while to resolve). 

Home insurance isn’t designed with your mobile or gadget in mind, so is unlikely to cover you for fraudulent use or unauthorised calls. Furthermore, if you claim on your home insurance, the excess you may be required to pay could be higher than the cost of having a separate gadget or mobile phone insurance. Naturally, your contents insurance premium may then increase when your policy comes to renewal, due to the claim you made.

Please make sure you view the benefits and cover of each gadget or mobile phone insurance policy before you make a decision. If you’re not sure, give us a call and we’ll help explain our cover options further.

Next Generation Insurance (NextGen) is an insurance intermediary (broker) and not an insurance company. We sell and administer gadget and mobile phone insurance products on behalf of insurance companies.

We only work with A-Rated Insurers, which means that you are insured with reputable companies. The underwriters that we work with are Axa Insurance (Premium & Ultimate products) and Zenith (Essential product).

You can pay for your policy annually or monthly on our Premium & Ultimate products and annually only on our Essential cover. For monthly payable policies we set up a subscription for the monthly instalments and the premium will be taken from the bank card you use to purchase your insurance and pay your first premium. 

If you have a preferred day on which you would like payment to be taken be sure to start your policy from that day of the month. We are not able to change payment collection days once the policy is active because the payment date directly aligns with the policy cover period.

To make changes to your personal details, including your payment details, head over to the NextGen Customer Area. You don’t need a password to log in, just enter your mobile number or email address and we will send you a 6-digit pin. 

If you want to change your gadget or mobile phone, please email the details of the new gadget to hello@nextgeninsurance.co.uk and we will consider the request and calculate any change in premium and get right back to you. 

Unfortunately, we’re unable to process change of payment collection date requests. 

Yes, your gadget or mobile phone must be have been purchased in the UK. You can insure gadgets or mobiles that you have purchased from network providers, direct from manufacturers or a high street store.

If you purchase your gadget or mobile as a refurbished device, it must have at least a 12-month warranty.

Our Essential policy only insures refurbished gadgets that are purchased directly from network providers or manufacturers. This clause does not apply to our Premium & Ultimate products. 

We offer cover for a large range of gadgets including, but not limited to smartphones, laptops, Macbooks, tablets and smartwatches. We’re always adding new gadgets to our list, if you can’t find your gadget, get in touch on hello@nextgeninsurance.co.uk

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