M&S Premier insurance covers uni students' bikes

Almost a quarter of student cyclists at UK universities have been the victim of a bike thief, according to a survey by M&S home insurance.

As thousands of students prepare to head to university this autumn, the survey findings should encourage cyclists to check they are insured before leaving home.

The poll of 2,000 students found that 14% of students have been burgled while at university and 22% of student cyclists have had their bikes stolen.

Despite this, only 16% of students have taken out their own insurance policy to cover their possessions whilst living in student accommodation. However, many people heading to university will not need to buy a stand-alone student policy and should check if their parents' home insurance policy provides sufficient cover.

Students whose parents have M&S Premier home contents insurance enjoy unlimited cover for their possessions when away from home at university.

This covers events such as damage, flood or theft. Students are also covered if their bike is stolen when they are at university.

Bike theft is a growing crime in the UK. The latest British Crime Survey figures show that during 2008/09 there were an estimated 540,000 bikes stolen - a 22% rise since the last survey.

Steve Price, M&S Head of General Insurance, said: "Cycling has grown in popularity in recent years among green-minded students who want to save money and do their bit for the environment.

"Unfortunately bikes are a prime target for thieves and cyclists should take basic security steps to decrease the risk of becoming a victim. Simple measures like leaving your bike in a well-lit area and using a good quality lock can deter a would-be thief."

Steve added: "It's important to make sure you are insured in case your bike is stolen or damaged. Before taking out a separate policy students should check whether their parents' home insurance policy covers their property when at university."

M&S Money offers cyclists the following security advice:

Register your bike model, make and frame number. Contact local police for advice.

Store your bike in a secure garage or shed and keep the door locked.

Avoid leaving your bike in isolated or dimly lit places.

Always lock your bicycle, even if you are just leaving it for a short period.

Secure removable parts: lock both wheels and the frame together.

Inform the police if you have your bike stolen. This is important if making an insurance claim.

Marks & Spencer home insurance is available online at marksandspencer.com/homeinsurance