The now common use of computer equipment in Schools has reached an all time high, with more and more classrooms being equipped with more and more computer equipment, the use of traditonal text books for written work is on a sharp decline, many students are now expected to have their own Laptops with them in lessons.

these days, much of the so called old fashion written work are replaced with the student typing work directly into their laptops. This can have many advantages, but where an advantage appears, a negative situation will be present. Can you imagine a university with, let’s say 2000 students and just for an example, lets say each student|pupel|scholar} has a laptop or notebook valued at £500. So now we have 2000 young pupels looking after over £1m worth of laptop and Notebook apparatus!

Now that is starting to sound very expensive for the parents! Especially when you stop and think that every student will be carrying the laptop both to and from School. Think how many will be prone to loss, theft and Accidental Damage that is going to take place. This could start to get very costly for the parents of the forgetful and careless children of the class.

You can start to imagine some of the storys children will come up with for the reason they have not brought their laptops into School, or indeed, returned home with at the end of the day!

Imagine how children could fail to look after their Notebooks! Swinging the laptop bag around in the air before throwing it 5 metres at their best friend, dropping it down a flight of stairs in the hope it will fail so they have the perfect excuse not to had the home work in on time – I would love to see some of the reasons for claiming accidental damage on peoples Laptop Insurance claim forms!

Now if we move onto loss, can you imagine, over the space of a year how many students loose their Notebooks, left on the train or School bus because their minds were focused on the last text message or new ipod download.

Yet another vital component about loss is not to get it confused with Theft, as they are two totally different factors, especially when it comes down to Laptop Insurance Cover and illegal insurance fraud!

Many people automatically assume that because they have purchased Laptop Insurance Cover they will be covered for loss, only to find when making a claim that loss was not included in the policy. Whilst some people find this out too late, others are aware they are not covered for loss, so they report the laptop as stolen so they can claim on their Laptop Insurance under the theft cover, this practise can then become illegal Insurance fraud, so its always good practice to check the terms and conditions of any insurance policy to make sure you will be covered for the loss of your laptop computer to protect yourself from this situation.

It would be the same rule with Laptop Insurance as well as the same sort of cover you get on say an iPhone Insurance policy, so it really is important as advised above to read the terms and conditions of any prospective insurance policy before you purchase, so to avoid any potential law breaking situation with your insurance company or indeed the Police!

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