Laptops, phones, and bikes are among the most frequently stolen items from students as they begin their university studies, according to the insurer Aviva. These items are also the most common subjects of insurance claims, often taken from university dorms, cars, public transport, and even cafes and restaurants. According to Aviva, the majority of student insurance claims are due to theft, although the insurer did not specify how many of these claims actually result in payouts. Steven Jackson, Aviva's home product manager, explained that laptops, computers, and mobile phones are essential for student life but are also highly valuable and easy to carry, making them targets for thieves. He advised students to avoid bringing expensive or sentimental items to campus, to lock up valuables, and to keep them out of sight when away from their belongings. He also emphasized the importance of being cautious about leaving items like bags or laptops unattended, even for short periods, such as when waiting for a table at a café or reserving a spot in the library. Whether or not to insure personal belongings while at university is a choice students must make. While car insurance is required by law in the UK, as stated by the Association of British Insurers (ABI), students can decide whether to insure bikes or other personal items. To ensure proper coverage, the ABI recommends checking if existing insurance policies—such as those covering student housing or provided by parents—already include coverage for personal belongings. If not, students may need to purchase contents insurance, which covers the cost of replacing or repairing items that are damaged, destroyed, or stolen. It's important to check the extent of coverage to ensure it is enough to replace all items, including the maximum value allowed for a single item claim. Creating an inventory of all belongings—such as clothing, electronics, and furniture—and calculating the cost of replacing each item is also recommended. Additional coverage might be needed for items like a high-quality bike or those that are often taken outside the dormitory. Students who are driving should also inform their insurance provider if they are keeping the car in a new location or if they are now the main driver of their parents' car. Failing to update the insurer could lead to legal issues or complications in the event of a claim.