Help! Made a mistake with insurance!

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    I have a laptop that's not very old - just over three years - and I was planning on taking it to university. I've been doing my work on it and it's always been fine. It's from PC world so it has Knowhow insurance, and if there's any accidental damage it's fixed within two weeks (usually one) but theft isn't covered. When I went to check for student insurance at Endsleigh, I realised that because it was over 3 years old, my laptop wouldn't qualify. My university has insurance for items inside accommodation, but I was scared of theft on the journey home and back on the train, and if I took it to the library or seminars and lectures.

    This morning, I bought a new laptop thinking that it would qualify for insurance if my laptop got stolen. My mum added Knowhow insurance to the new laptop as well so now the only reason I would have to ensure this new laptop is to protect it from theft. But I've started wondering whether there's any point in insuring against theft at all. I've realised I'm not going to need to take my laptop to seminars or lectures and the journey home is 1 hour from Coventry on a train. If I hide my laptop in a little luggage cart thing whenever I come home to visit (which won't be all the time), then there's little chance that my laptop will get stolen at all. And I don't want my old laptop to just sit there with insurance at home for no reason.

    I can return the new laptop within 21 days. Should I return it and just keep my old laptop (which is the same size and has insurance for accidental damage)?
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