Insurers are watching developments in France, where schoolchildren can now get insurance to protect them in case their designer gear is stolen at school.

The “bully insurance” is an optional top-up to the compulsory insurance all parents must take out for schoolchildren.

A Zurich Insurance spokeswoman said: “With any new development we will keep an eye on it.

“As the propensity to claim against bullies increases, there may well be a need to introduce this sort of product.”

However, she added it may be difficult to differentiate between stolen and lost goods.