Please browse the questions and answers below for our most commonly asked insurance questions and answers. If you cannot find the answer to your query please contact us and we will be delighted to assist you.
We will replace your equipment on a new for old basis so in the event of a loss you will receive either a direct new replacement or the latest equivalent model. It is therefore important to check the current replacement value of your equipment on an annual basis to ensure your sums insured are adequate. If you are VAT registered, this can be deducted from your total.
close answerNo. We do not need an inventory or specified list of your equipment regardless of the value of any individual item. However, in the unfortunate event of a claim, your personally appointed loss adjuster will request a copy to ensure your sums insured are adequate to cover the replacement cost of all your equipment, on a new for old basis.
close answerYes subject to reasonable care being demonstrated.
close answerYes subject to the vehicle being locked and the equipment being stored out of site. We do not have any time restrictions but cover is only in force during your working hours. The excess is the standard £150.
close answerYes. All of our policies automatically provide full 365 days Worldwide cover as standard, up to the amount specified in the schedule of cover.
close answerYes. Full cover is extended to equipment within the hold of an aircraft subject to the equipment being in a locked Peli Case or similar.
close answerYes, our excess is fixed at £150 for all claims except for:-
Money – £50
Public Liability Injury claims – Nil Excess
Employers Liability – Nil Excess
Flat Roof Excess (Claims as a direct result of a flat roof) – £500
Subsidence (only applicable to buildings cover) – £1,000
close answerFor UK residents our Insurer is Liverpool Victoria Insurance Company (LV=).
For Eire our insurer is Gable Insurance
close answer