Guide to securing laptops, phones and bikes from student theft

As students depart for university, insurers are raising the alarm regarding theft of high-value personal items. According to Aviva, laptops, smartphones, and bicycles are among the most frequently stolen goods, prompting experts to share advice on safeguarding possessions and securing appropriate coverage.

The insurer noted that theft accounts for the majority of student insurance claims, surpassing accidental damage. Items are commonly taken from student accommodations, vehicles, public transport, and hospitality venues such as bars and restaurants.

Steven Jackson, home product manager at Aviva, highlighted the dual nature of these items: they are essential for academic life but highly attractive to opportunistic criminals due to their value and portability. His recommendations include leaving particularly expensive or sentimental belongings at home, keeping valuables locked away and out of sight when外出, and maintaining vigilance. Jackson specifically cautioned against leaving bags or laptops unattended to reserve seats in cafés or libraries.

While car insurance remains mandatory under UK law, coverage for bicycles and other personal effects is optional. The Association of British Insurers (ABI) suggests prospective students first verify whether they are already protected. Some university halls provide built-in insurance, and existing parental policies may extend coverage to children living away from home.

If additional protection is required, contents insurance can cover the cost of repairing or replacing belongings that are damaged, destroyed, or stolen. However, students must ensure their policy limits are sufficient to cover the full replacement cost of their possessions. This involves creating a detailed inventory of all items, including clothing, electronics, and furniture.

Additional premiums may be necessary for high-value items such as quality bicycles or for covering belongings that are carried out and about rather than stored in accommodation. Drivers must also notify their insurers if they are using a new address for vehicle storage. Furthermore, if a student becomes the main driver of a parent’s car, they are legally required to inform the insurance company; failure to do so is an offence.