Portable Equipment
Insurance

Do you need it!

If you provide a mobile service, attend exhibitions or are otherwise often on the go, then this insurance is for you. It is specifically for loss or damage of items while in transit or in a secured car or storage location.

You may work at one place, and use a lot of portable equipment such as laptops and phones which isn't covered by standard workplace contents insurance. Since it's not unheard of to lose or drop something, it's always nice to know your equipment is covered and you don’t need to worry about your stuff getting damaged.

Our insurance policy covers your business against risks such as theft, loss, destruction and damage.

What is covered?

• - Computers including laptops and tablets
• - Mobile phones
• - Television and video equipment
• - Event and exhibition equipment
• - Tools, plant, equipment and machinery
• - Accessories associated with any of the above
• - Goods held in trust
• - Stock and samples

What is not covered?

• - £200 excess
• - Theft of unattended and/or not properly secured portable equipment
• - Stationary workplace contents (for such insurance, please visit our Workplace Contents page)
• - Electronic data
• - Breakdown and damage to property being cleaned, maintained or repaired
• - Damage due to wear and tear or inherent defect
• - For full list of exclusions see policy wording

Computers: Computers and ancillary equipment but excluding data or information entered by you or on your behalf.

Damage/damaged: Accidental loss, theft, destruction or damage.

Electronic data: Facts, concepts and information converted to a form useable for communications, display, distribution, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programs, software and other coded instructions for such equipment.

In transit:

• In transit by road, rail, water, air or by person.
• Being loaded or unloaded in the course of transit by road, rail, water, air or by person.
• Temporarily housed away from the office.

Workplace: Any location within the territorial limits occupied by you for the purpose of your business.

Portable business equipment: Portable business equipment used in connection with your business which belongs to you or for which you are legally responsible, including:

• computers including laptops and tablets
• mobile phones
• television and video equipment
• event and exhibition equipment
• tools, plant and machinery
• accessories associated with any of the above
• goods held in trust.

How much will it cost?

The cover limit available for Portable Business Equipment insurance has been chosen as the most appropriate to meet the needs of our customers.

The costs is:

For a new policy

Getting a quote, or multiple quotes, and buying insurance from Westminster couldn’t be quicker or easier. You can have your policy up and running in minutes. All online, you can do it whenever suits you best and be in control of the whole process, but if you have any questions, we are very happy to hear from you.

Remember, this cover is only available as an additional option on our Professional Indemnity, Public Liability and Medical Malpractice policies.

1. Click on the 'Get a Quote' button.
2. Choose to include the Portable Equipment option.
3. See the quote straight away on screen, and you can either save it for later or continue on to purchase.
4. Once the payment is processed, the policy documents are immediately emailed to you.

To add to an existing policy

1. Simply login to edit your policy online
2. Adding the desired coverage
3. Confirm the change
4. Make payment

Please note that you cannot make changes to the policy during the renewal period which starts 6 weeks prior to expiry. If you need to make a change during this time please contact us on 01305 839939.