Student Notebook Insurance Loss Problems

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, slowly starting to replace text books and student workbooks , indeed, some Schools now even require every student to own a laptop computer.

In these Schools , many of the so called old fashion written work are replaced with the student typing work directly into their laptops. This can be a advantages situation, but where an advantage appears, a negative situation will be present. Can you imagine a high School with , let’s say 2000 students and just for an example, lets say each student has a laptop or notebook valued at £500. So now we have 2000 young students looking after one million pounds worth of laptop and Notebook equipment!

This could be a costly situation for parents! Especially when you stop and think that every student will be carrying the laptop both to and from School. Just imagine the volumes of loss, theft and Accidental Damage that is going to take place. This could start to get extremely costly for the parents of the forgetful and careless children.
You can start to imagine some of the story’s 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 20 yards 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 Laptop Insurance 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.
Another important point 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 and illegal insurance fraud!

Some people just think 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 Notebook Insurance policy under the theft cover, this practise can then become 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.

The same rule applies to both Mobile Phone Insurance Cover as well as Blackberry Insurance Cover, so it really is important as advised above to read the terms and conditions of any prospective insurance policy before you purchase to avoid any potential illegal situation with your insurance company or indeed the Police!

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