Laptop insurance recommendation? Laptop insurance recommendation?
Posts 1 to 7 of 7
  1. #1

    Fingers like lightning

    kevpuk's Avatar
    Join Date
    Jan 2013
    Location
    Wherever the wind blows
    Posts
    778

    Default Laptop insurance recommendation?

    Anyone got recommendations for decent business laptop insurance?
    Just swapped in new laptop, rather a lot of pennies worth, and looking to cover....many providers seem to top out at £2k, and MyCo just spent £2,500 on a shiny slab!
    latest-and-greatest solution (TM) kevpuk 2013

  2. #2

    Super poster

    ladymuck's Avatar
    Join Date
    Sep 2005
    Location
    London
    Posts
    2,987

    Default

    The minute you use it, it's worth considerably less than you paid for it. Sounds like you're looking for a replace with new policy rather than replace at market value and that could cost a pretty penny more than what you paid over the life of the policy/laptop.

  3. #3

    Fingers like lightning

    kevpuk's Avatar
    Join Date
    Jan 2013
    Location
    Wherever the wind blows
    Posts
    778

    Default

    Agreed, really just looking for first year cover - I did similar with a Surface Book (£2,300) bought a few years back, yr2 onwards 'self insured'.....

    Plenty of providers out there for mainstream - protectbubble etc. - but mainly seem to only offer £2k max for a laptop.
    latest-and-greatest solution (TM) kevpuk 2013

  4. #4

    More time posting than coding


    Join Date
    May 2018
    Posts
    392

    Default

    Your house insurance will cover it surly ?


    Sent from my iPhone using Contractor UK Forum

  5. #5

    Fingers like lightning

    kevpuk's Avatar
    Join Date
    Jan 2013
    Location
    Wherever the wind blows
    Posts
    778

    Default

    Quote Originally Posted by GhostofTarbera View Post
    Your house insurance will cover it surly ?


    Sent from my iPhone using Contractor UK Forum
    Did think this, but house insurance would need to have it specified and, perhaps more crucially, it is owned by business (MyCo) and not personal......must admit, I haven't asked, but....
    latest-and-greatest solution (TM) kevpuk 2013

  6. #6

    Super poster


    Join Date
    Jan 2009
    Location
    Near London, UK
    Posts
    4,051

    Default

    Quote Originally Posted by kevpuk View Post
    Did think this, but house insurance would need to have it specified and, perhaps more crucially, it is owned by business (MyCo) and not personal......must admit, I haven't asked, but....
    Many home insurance policies *will* cover some business equipment owned by your employer but it's normally severely limited (I think mine covers up to £2k total). Check your policy booklet.

    Much better to pay for a dedicated policy in the name of YourCo. I use Hiscox for everything apart from my professional indemnity (QDOS) - I have a combined public liability + employer's liability + office contents + portable equipment cover which costs me about £300/year.

    For simpler needs, I'd recommend Direct Line for Business - I used to have similar to the above for about £90/year (Direct Line wouldn't insure my contents in my garden office which is why I had to switch to Hiscox).

  7. #7

    Fingers like lightning

    kevpuk's Avatar
    Join Date
    Jan 2013
    Location
    Wherever the wind blows
    Posts
    778

    Default

    Thanks ^^

    I did check with home insurer and they advised it was down to what the invoice stated in terms of ownership.....i.e. if bought in my name, claim would likely be fine, but in MyCo name (which it is) then might cause problem. They advised to insure separately.
    latest-and-greatest solution (TM) kevpuk 2013

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •