As university students return to their studies, items such as laptops, mobile phones, and bicycles are increasingly being targeted by thieves, according to insurer Aviva. These items frequently appear on student insurance claims, having been stolen from various locations including student accommodations, vehicles, and public spaces.
Security Tips for Students
Aviva’s data signals that theft is the predominant reason for student insurance claims, surpassing accidental damage. However, the insurer has not disclosed how many claims result in compensation. Steven Jackson, Aviva’s home product manager, cautions students that electronic devices are appealing to opportunists due to their value and portability. He advises students to:
- Leave behind high-value and irreplaceable items at home.
- Ensure valuables are locked away and not visible when not in use.
- Avoid leaving personal items like bags or laptops unattended in public spaces.
While students must independently decide the necessity of insuring personal belongings in higher education, the Association of British Insurers (ABI) notes that, unlike mandatory car insurance, coverage for items like bikes is optional.
Securing the Right Insurance
The ABI suggests first confirming whether existing coverage is in place. Insurance may be provided through student accommodation policies or extended under a parent’s policy. If additional cover is needed, students can consider purchasing contents insurance, which compensates for replacement or repair costs of possessions if damaged or stolen. This offers reassurance should an incident occur.
Students should verify coverage limits to ensure they are adequate to replace all contents. Creating an inventory of personal items, such as clothing, electronics, and furniture, and calculating their replacement costs is recommended. High-value items or those often taken outside may require additional coverage. Additionally, when driving, students must update insurers if the vehicle’s primary location changes or if there has been a switch in the main driver—failure to do so is illegal.
Reporting based on coverage first published by bbc.co.uk.