Equipment Insurance - Frequently Asked Questions

Q: When your laptop is left in the office overnight at a client's office -is it covered?
A: Yes, if it is locked away. (i.e. in a drawer and the office is secure.)

Q: When your laptop is left in the office during the day in a client's office (i.e. lunch) - is it covered?
A: Yes, if the office is locked. If the office is open plan, it is covered if there are staff in attendance at all times.

Q: When your laptop is left in a hotel room - is it covered?
A: Yes, it is covered if the door was locked and one can prove forcible entry.

Q: If the insured is asleep in a hotel room and the laptop is stolen?
A: Yes, it is covered if the door is locked and one can prove forcible entry.

Q: Is my laptop covered if I stop off somewhere (e.g. shopping) and I leave it in my car?
A: Providing the car is locked and the laptop locked in the boot or the hatchback of the car, out of sight.

Q: Is computer equipment under the care, custody and control of the Insured covered?
A: No, but special provisions to include such exposure may be negotiated separately.

Q: What is a Business Machine?
A: Computer hardware and preloaded software only. Bespoke computer software must be insured separately under the software section.

Q: Are parts of a computer covered?
A: Yes, if they are insured as Stock, but only if the Stock is non-operational and is not a complete computer that has been dismantled.

Q: Is a mobile telephone covered under the portable equipment coverage?
A: No.

Q: If I am using my personal property in relation to my business, is it covered?
A: No - it is effectively excluded by the care, custody and control exclusion i.e. your Company has care, custody and control of your personal property. The Policy does allow you, upon payment of an additional premium, to renegotiate this exclusion.

Q: If I have a claim, what paperwork will I have to produce initially?
A: You will have to complete the Claims Document contained on the Randall Dorling website. Moreover, you can be sure that you will be asked to provide:

• evidence that your Company owns the item damaged, lost or stolen i.e. it is not a personal possession or being held in your care, custody or control for another Third Party.
• that if lost or stolen the event has been reported to the Police.

Q: If I lose my laptop in Costa Rica, is it covered?
A: Subject to compliance with the answers to the other relevant questions above, the answer is Yes. N.B. This is worldwide cover.

Q: What happens if I'm mugged?
A: Cover is provided - you do need to make sure that the police are advised promptly as a Crime Reference Number would normally be required in support of your Claim.