Firstly, you’ll want to make sure that anything you take out and about with you is insured under the portable section.
The insurer’s definition of portable equipment is anything designed to be easily moved from one location to another.
The insurer breaks contents down as follows:
- computer and ancillary kept permanently at the premises (think monitors or desktops and accessories)
- other contents kept permanently at the premises (office furniture or anything that isn’t computers)
- portable contents
If you need a refresher of what you have covered, view the ‘contents’ section of your insured quote or insured schedule PDF. We don’t take an itemised list of contents so make sure the sum insured accurately represents your kit.
The policy wording explicitly states equipment will only be covered if left unattended in your car if kept out of sight in a locked boot or locked storage compartment.
In other words, we don’t want to invite a break-in by having our laptop on display on the passenger seat.
We’ve been in business for 8 years and theft claims where the vehicle is broken into account for a tiny percentage of claims. However, it’s still important to follow policy terms so that your claim is paid out in the event you’re having one of those days where the world is against you.
Portable kit is covered worldwide so this applies whether you’re travelling to a meeting in London or visiting clients abroad.
TL;DR
Is kit covered when left in your car? Yes, but only if you’ve insured it as portable and it’s kept out of sight in a locked boot or locked storage compartment.
You can check your portable equipment by viewing the ‘contents’ section of your insured quote or insured schedule PDF. If you need to make any changes, get in touch.
