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Engineering and Inspection Insurance >

Computer

Product summary

The policy provides cover for loss of, or damage to, all types of computer equipment and any additional costs required to reinstate any lost data or records.

Key features

• 'All Risks' cover for all types of computer equipment.
• Additional expenditure incurred in the form of increased cost of working and the cost of recompiling or restoring data.
• Additional expenditure incurred following failure of electricity or telecommunications linked to the computer equipment.
• Extends to include computer equipment in transit world-wide, subject to a limit of £5,000 in respect of theft and £25,000 in respect of all other losses.
• Flexible cover which can be tailored to insured's requirements.

Exclusions

• Theft from premises unless entry or exit was gained by forcible or violent means.
• Theft from premises unless protected by a NACOSS approved alarm system. Cover in this respect can be altered to suit individual requirements.
• Normal wear and tear.
• Loss of, or damage to, equipment in vehicles unless kept in a suitable container.
• Theft of equipment in vehicles unless all doors are locked and windows fully closed and fastened, property is concealed from view and vehicle is garaged if left overnight.
• Programming errors or software design defects.
• Value to the insured of data stored on computer equipment or media.
• Loss or damage following failure of a data processing system to recognise a date.
• Minimum £250 excess.
• Breakdown of computer equipment unless there is an approved maintenance agreement in force for that item.
• Deliberate act of electricity/ telecommunications supply authority.
• Additional expenditure following use of unproven software or incorrect storage of computer media.
• Damage by terrorism (unless specifically included).

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