The short answer
Insurers including Aviva, Direct Line and NFU offer 5–20% off contents for SmartWater or equivalent forensic marking, especially in high-burglary postcodes. Recovery rates for marked items are 4–6x higher than unmarked.
Frequently asked
- Does it work for tools and bikes?
- Yes — and several UK tools-in-transit insurers offer additional discount for marked kit.
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