Laptops, phones, and bikes are the items most frequently targeted by thieves as students begin university, according to insurer Aviva. These items are also the most common subjects of student insurance claims, following thefts from accommodation, vehicles, public transport, and hospitality venues.
Aviva's home product manager, Steven Jackson, noted that laptops, computers, and mobile phones are attractive targets for opportunistic thieves due to their value and portability. He advises students to leave expensive or sentimental items at home, lock up valuables, keep them out of sight, and remain vigilant.
The Association of British Insurers (ABI) suggests students first check if they are already covered, as some student halls may include insurance, or parents' policies might extend to them. If not, contents insurance is an option to cover the cost of replacing or repairing possessions if they are damaged, destroyed, or stolen.
Students should create an inventory of their belongings to ensure adequate cover, including the maximum value for a single item. Additional cover may be needed for bikes or items taken outside accommodation. For those driving, it is essential to inform insurers if the car is kept at a new location or if a student becomes the main driver of a parent's car, as failing to do so is illegal.