For most people, going to university means living in a completely new city. This can be a very exciting adventure, however new surroundings might present new dangers. Unfortunately, students can be considered an easy target for robbers, so it could be worth taking steps to try to avoid getting mugged. At The Insurance Emporium, we have these suggestions to help you try and reduce the risk of robbery.

student insurance1. Plan your route

If you can, try to pick a route between places where you’ll encounter as little risk as possible. Stick to busier areas that are well lit and where there is CCTV. Think ‘safety in numbers’ and travel with people you know, where possible. Whether you’re walking with people or not, tell someone where you’re going before you set off. If in doubt, you could consider getting a taxi to your destination.

2. Hide your valuables

Don’t use your phone while you’re on the go as this advertises it to potential thieves and could also make you less aware of your surroundings. Instead, store your phone away in a bag or an inside coat pocket. Keep other valuable items out of sight too; cover any expensive jewellery, don’t wear your headphones and don’t openly carry your laptop.

student insurance3. Look Confident

Your body language could increase your chances of being a target. Those who appear confident and in control tend to be less likely to attract robbers because they look as though they could handle the situation. Walking tall and with purpose could help with this. Try not to look nervous or unsure as this could give thieves the impression that you are vulnerable.

4. Careful at the cash machine

Be vigilant while using a cash machine as this can be a prime location for thieves. Keep an eye out for anyone loitering close to the ATM. When your money is dispensed, put it away quickly and discreetly to avoid attracting any attention to how much you have. It could be best not to carry large sums of money with you in case you’re unlucky enough to be a victim of mugging.

student insurance5. Minimise loss

If you’re unfortunate enough to be targeted, there are things you could do to minimise your losses. Spreading your possessions around could help, such as keeping your purse or wallet in your bag and your phone in a hidden pocket. Also, keep the clasp for your bag facing towards you as this makes it more difficult to access. It probably isn’t worth putting up a fight with a robber because you could get hurt – your own well-being is more important than your possessions.

Generally, life at university can be exciting and hopefully your time there will pass without incident. However, for peace of mind about a range of things that could go wrong, it might be worth getting insurance. With The Insurance Emporium’s student insurance, you could select cover for Personal Accident And Assault Or Mugging* as an Elective Benefit. There is also up to 30% discount^ available for new policies. Swing by The Insurance Emporium to find out more!


*Accidental bodily injury resulting solely and directly from external violent and visible means and such an injury shall, within 12 months, be the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement. Where you are injured solely and directly as a result of a physical and criminal Assault or Mugging anywhere in the UK, you may claim for damage to your clothing or spectacles or emergency dental treatment to your natural teeth given within 7 days of the assault or mugging.

^The 30% discount is available on lunar and calendar monthly policies and policies where the premium is paid annually. It is made up of 20% Introductory Discount plus 10% Student Discount (if appropriate). The Introductory Discount is available for the first 12 premium payments on lunar and calendar monthly policies or one premium payment on annual policies.


All content provided on this blog is for informational purposes only. We make no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. We will not be liable for any errors or omissions in this information nor for the availability of this information. We will not be liable for any loss, injury or damage arising from the display or use of this information. This policy is subject to change at any time.

Leave a Reply