Cover

Fire, Flood or Accidental Damage cover

If the equipment suffers Fire, Flood or Accidental Damage, we will indemnify you for either the parts and labour cost of repairing the equipment or, at our choice, for the cost of a replacement equipment of the equivalent general condition, specification and age and for the courier costs, during the period of insurance, whilst the equipment is within the geographical limits, subject to the conditions and exclusions set out in this policy.

You are indemnified against repair or replacement costs up to the single claim limit, and the sum insured.

Specific exclusions applying to Fire, Flood or Accidental Damage cover.

We shall not be liable in respect of :

• Any item not included on the policy schedule.
• Damage to any additional equipment or accessories including but not limited to carrying cases, battery chargers (other than those supplied as original equipment with the Equipment, and identified from the policy schedule), hands free mounting kit or external antennae.
• Damage to equipment that is not suitably stored or packed whilst in transit.
• Damage to the equipment whilst on hire or loan to any third party.
• Malicious damage, loss, or wear and tear.
• Damage occurring from the equipment being left on any motor vehicle.
• Repair or replacement of bluetooth, wireless modem, LAN or other connectivity devices not supplied as part of the Equipment.
• The excess
• Any equipment not owned by the you
• Claims arising outside the geographical limits

Theft Cover

If the equipment is stolen during the period of insurance, whilst the equipment is within the geographical limits, we will replace the equipment with a equipment of the equivalent general condition, specification and age and for the courier costs subject to the conditions and exclusions set out in this policy.

You are indemnified against repair or replacement costs up to the single claim limit, and the sum Insured.

Specific conditions applying to Theft cover

• The possible or actual theft of the equipment must be reported as soon as is practicable to the emergency number provided to you. If the equipment is subsequently retrieved or returned it will become our property.
• You must, as soon as is practicable, within 12 hours of discovering the Theft, report the occurrence to the police or other relevant authority and obtain an incident report number.

Specific exclusions applying to Theft cover

We shall not be liable in respect of:

• Theft of the equipment whilst kept in an unattended motor vehicle unless the vehicle is locked, the equipment is placed out of sight and all protections put into operation so that forced entry into the vehicle is required. A copy of the repairers account for such damage to the vehicle must be submitted with any claim made.
• Theft is not covered if left in a vehicle overnight
• Theft of the equipment left on any motor vehicle.
• Theft of the Equipment from any property or premises unless such Theft has occurred through forced and violent entry or exit. A copy of the repairers account for such damage to the property or premises must be submitted with any claim made.
• Theft of the Equipment whilst on/in any form of public conveyance or public place save where the Equipment is taken from You by actual or threatened force.
• Theft of the Equipment whilst on hire or loan to any third party.
• Lost or misplaced Equipment.