I'm not taking out any additional cover, and I kept getting confused when they sent me all these cover leaflets - we're already well covered by UCL.
As for the laptop thing, mine will stay in my room so I'm covered there. Good also I'm not as reliant on it as I once was (I've put all my important stuff online now in email attachments etc) so as long as I'm covered the loss of it wouldn't be the end of the world now (obviously it'd still be very upsetting). I've also got a Kensington lock now, so hopefully if the worst happened, the opportunist thief might have to leave without my laptop.