Cover

Geographical Limits:

1 & 2

Insured's premises (which can be a private dwelling).

3 & 4 

Anywhere in the World

Sums Insured (up to £8,000 for each section):

1)

Machinery, Plant and all other Trade Contents

2)

Stock and Materials in Trade

3)

Software Packages

4)

Business Machines (Computers including preloaded software) including Portable Equipment e.g. laptops.

No cover is available for Mobile Telephones

Excess:

£200 each and every claim

Conditions:

1)

Average Clause

2)

Replacement Clause

3)

Onus of Proof Clause

4)

Pairs and Sets Clause

5)

Portable Equipment (To be Scheduled with Description, Value and Serial Number).

Exclusions:

1)

Claims the basis of which is damage resulting from scratching, denting, wear, tear and gradual deterioration, moth or vermin

2)

Mechanical or Electrical Derangement or Breakdown

3)

Loss or Damage caused by climactic or atmospheric conditions or extremes of temperature and loss resulting from seepage, pollution and leakage or inherent vice.

4)

Loss or Damage to cash, currency, bank notes, jewellery, furs, gold, silver, gold-plate and silver-plate.

5)

Unexplained shortages and/or mysterious disappearances.

6)

Theft and Disappearance of road vehicles of every description owned by or under the control of the Insured and/or their servants or representatives when such vehicle is left unattended.

7)

Theft and disappearance of item(s) from road vehicles where the item(s) were not locked out of sight in a locked boot or hatchback. In the event of a claim the burden of proof rests with the Insured.

8)

Damage to property hereby insured which may be sustained whilst the same is being actually worked upon and directly resulting there from.

9)

Losses of baggage unless carried by hand and under the personal supervision of the Insured.

10)

Confiscation by any authority legally entitled to do so.

11)

Consequential Loss

12)

Year 2000 Exclusion Clause

N.B.

It may be helpful to refer to FAQs.

Property of 3rd Parties in the Insured's Care Custody & Control.

With reference to the equipment which belongs to third parties, that you wish to insure, we need to know the following before the underwriters will consider this exposure:

Type of Property to be insured?

Value of property to be insured?

Storage arrangements, including security and alarms?

Time that such equipment will be on your premises?

If this coverage is granted it will be endorsed onto your policy.

Please Note: There are certain post code restrictions, which means that you will be unable to purchase this additional coverage. As you complete the website proposal details, or when we receive your answers on the emailed proposal questions, you will be informed if you have a post code that prohibits the quotation of equipment insurance.

You may call us and we will attempt to find you an insurer for your equipment. Please note that this is difficult, but not impossible, and it goes without saying that it may be costly