Why Laptop Insurance Is A Good Thing To Consider If You Are A Student

University these days is more high tech than ever. While previous generations of undergraduates used to have to make do with piles of books, a library, and pens and paper, we now of course have access to all of the information in the world through just our mobile phones and can store all of the books we need for our courses on a tablet, computer or Kindle.

Nearly all students now have a laptop at their disposal, whether owned or rented, and this becomes the main hub where most of their study and coursework takes place.

While some people might have the latest Mac book Pro and others are making do with an out of date machine running Windows Vista that they got passed down from a family member or scored as a bargain on eBay, it would be virtually impossible to get through a degree course these days without using a laptop of some kind!

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Universities and Laptop Theft

Of course, as university campuses are very busy places with a lot of people wandering around at all times of the day and night, theft can be an issue. Laptop theft is a general problem all over the country, but along with places like train stations, universities are one of the big hotpots where it tends to occur.

Laptops are highly sought after by thieves because they are a high value item that can be easily sold on in many cases, and can actually be easier to unlock and wipe than many mobile phones, making them a really desirable thing to swipe.

Certain parts of university sites can be bigger hotpots for personal theft than others – for example outside areas, libraries and places like cafes and bars are all places where opportunist crimes take place.

Even off campus it can be a risk carrying and using your laptop, as public transport and places where students tend to hang out can also be places where thieves will strike if they see an unattended laptop, or one that looks like it could be taken without the owner noticing because they are distracted.

It is therefore important to keep your eye on your laptop and any other gadgets you have with you whenever you are out, and never leave them even for a moment, even if you assume your friends are watching them.

What Could Be the Impact of Having Your Laptop Stolen at Uni?

While in some cases stolen laptops can be traced using technology, the reality is that most stolen computers are never found, and this means that if your laptop goes missing you are in serious trouble – you will basically need to buy a new one.

You may also lose a lot of important work and study materials, though you can safeguard yourself against this by doing regular back ups to a cloud resource like Drop Box that you can access from another device.

For most students, money is incredibly tight and being able to instantly buy a new computer is probably not going to be an option, without getting into more debt.

Although you may be able to borrow or hire one temporarily, it is always better if you have an insurance policy that you can claim on that will allow you to get an equivalent machine to your stolen one right away.

Insurance may seem like a luxury you can’t afford, but policies are cheaper than you might think and when you think about what you stand to lose without one, they are really very good value if you get a decent deal.

How to Choose and Buy Laptop Insurance

There are companies in the insurance industry that now specialize in insuring peoples’ portable gadgets, including laptop computers. Among these are firms like protectyourbubble.com who insure everything from phones and laptops to digital cameras and even bicycles – a good company to look at for students, then!

How much you can expect to pay for a policy with a gadget insurer will depend on the kind of computer you have and how much it is worth, along with whether you just want to ensure the laptop or want to take out a multi-gadget policy that will also cover your other gear.

The best thing to do in the first instance is looking at the policies available online and get quotes based on your needs, as with any other insurance purchase. You can then buy the policy you want online, and your coverage will begin with immediate effect.

If you are at uni or planning to go next year, it really is a good investment in your own peace of mind to cover your essential tech gear with a good insurance policy. You never know when you might be glad you did!