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Portable Equipment

Portable Equipment... for those on the go!

  • £2,000 cover limit
  • Applies to portable equipment in transit and temporarily housed elsewhere
  • Covers accidental loss, theft, destruction or damage of portable business equipment including computers, laptops, tablets, mobile phones, events equipment, tools, etc.
  • Can be added to existing policies
  • Have protection in place straight away
  • Other optional extras include, cyber and data protection, employer's liability, personal accident, office contents
  • Can only be purchased with our 'Combined Professional Indemnity, Public Liability and Medical Malpractice' cover

What is Portable Equipment insurance?

Our portable business equipment insurance is specifically designed to cover all types of objects that we would expect practitioners to be using. This would typically include mobile phones, laptops, camera and video equipment, tablets, event and exhibition equipment, tools and more.

These 'portable' items are covered whilst in your office or in transit (provided you sensibly safeguard them, as per the terms)

This will not cover stationary office contents such as desks, filing cabinets and fixtures but we provide office contents insurance which covers stationary equipment. Please visit Office Contents Insurance for further reference.


Do I 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 office 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:

  • - Cover for accidental loss, theft, destruction or damage of portable equipment while in transit
  • - Cover for possessions temporarily housed elsewhere
  • - Laptops, tablets and mobile phones
  • - Video and recording equipment
  • - Event and exhibition equipment
  • - Tools and machinery
  • - Accessories associated with any of the above

What is NOT covered:

  • - Theft of unattended and/or not properly secured portable equipment
  • - Stationary office contents (for such insurance, please visit our Office 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

Definitions

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:

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

Office: 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:

£2,000      £40 / €20 + tax


What’s the process?


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 Prtable 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. Phone us on 01305 839939, or email 'mail@westminster.global' , and simply give us your Policy Number and ask us to add this cover.
  • 2. We will send you an email which asks for your confirmation of the change and payment.
  • 3. Once the payments is processed, your updated policy documents will be re-issued to you.
  • 4. All nice and easy!

Frequently asked questions

General and Quotes

The answer to this question will depend on whether you:

1. want to get a quote for Professional Indemnity, Public Liability and Medical Malpractice policy including Portable Business Equipment cover, or

2. already have an existing policy with us and would like to add Portable Business Equipment cover

 

Answer 1

We are a fully automated process and provide all the information needed for you to make an informed decision online. 

A quotation is available 24/7 online. Click on the ‘Get a Quote’ button.  That will take you through the questions necessary to provide a quotation. It shouldn't take more than a few minutes and once produced you have the option to save it for later or proceed direct to purchase.  

If you choose to proceed to purchase, we will collect your contact details and then request payment. Payment is by Credit or Debit Card and once authorised your policy is issued immediately. Your documents will be emailed to you for you to print and/or save.

 

Answer 2

If you would like to see the cost of adding this to your existing policy, you can find the details on the Cost tab.  If you wish to go ahead, simply contact us by email or phone for us to arrange this with you.

Again, two options here:

1.      If you are obtaining a new insurance policy with Portable Business Equipment add-on, you will be able to choose payment by monthly instalments.

2.      If you want to add this cover mid-term, you will be required to pay the whole amount of the add-on product.


Changes, Cancellation and Renewal

Yes, you can add this additional protection to your existing policy at any time during the period of cover.  We refer to this as a 'mid-term' adjustment.

Simply contact us by phone or email and we will arrange this with you.

Once you have added an additional area of cover to your policy, it cannot be cancelled during the term of the policy.  However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.


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