Laptop insurance recommendation?

**ladymuck** · 29 July 2019, 15:23

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.

**kevpuk** · 29 July 2019, 15:34

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.

**GhostofTarbera** · 29 July 2019, 15:52

Your house insurance will cover it surly ?

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**kevpuk** · 29 July 2019, 15:57

Originally posted by GhostofTarbera View Post

Your house insurance will cover it surly ?

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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....

**TheCyclingProgrammer** · 29 July 2019, 16:52

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).

**kevpuk** · 30 July 2019, 10:38

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.

Laptop insurance recommendation?