Optional Business Cover
If You have paid the additional premium to include Business cover and the cover is shown on Your certificate, cover under Sections 27 to 29 will apply.
SECTION 27 - BUSINESS EQUIPMENT
What is covered:
(Single Trip and Annual Multi-Trip policies only)
We will pay up to £2,000 in total per Trip, for Accidental loss, theft or damage to Your Business Equipment. We will also pay for any emergency courier expenses You have incurred, in obtaining any Business Equipment which is essential to Your intended business itinerary.
The maximum We will pay for any one article or samples is £500.
The maximum We will pay for computer equipment is £1,500.
What is not covered:
- Your engaging in manual work in conjunction with any profession, business or trade during the Trip;
- the Policy Excess in respect of each and every claim;
- more than £50 per single item, up to a maximum of £200 in total for any one claim if You are unable to provide the original receipt , proof of purchase or an insurance valuation which was obtained prior to the loss;
- wear tear or depreciation;
- any claim for loss or theft of Your Business Equipment if You have not notified the police within 24 hours of its discovery and obtained a written report which includes the crime reference number;
- any claim, if the loss or theft of Your Business Equipment occurs during a journey or whilst in the custody of an airline or other carrier or their handling agent and You have not obtained an official report or a Property Irregularity Report (PIR);
- claims arising from delay, detention, seizure or confiscation by Customs or other officials;
- damage caused by the leakage of powder or liquid carried with Your Business Equipment;
- any breakage of fragile articles, unless the breakage is caused by fire or an Accident involving the vehicle in which You are being carried;
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Landing;
- damage to, loss or theft of Your Business Equipment, if it has been left:
- unattended in a place to which the public have access; or
- left in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local time and there is evidence of forced entry, which is confirmed by a police report;
- in the custody of a person who does not have an official responsibility for the safekeeping of the property;
- any claim for Business Equipment delay, if You cannot supply receipts for the essential items purchased and written confirmation from the carrier as to the length of the delay;
- anything mentioned in the General Exclusions.
SECTION 28 - BUSINESS EQUIPMENT HIRE
What is covered:
(Single Trip and Annual Multi-Trip policies only)
If Your Business Equipment is lost, stolen, damaged, misdirected or delayed in transit by more than 12 hours We will pay You £150 for the cost of hiring the necessary Business Equipment for each 24 hour period You are without Your business equipment, up to a maximum of £750 in total per Trip.
What is not covered:
- any claim for loss or theft of Business Equipment if You have not notified the police within 24 hours of its discovery and obtained a written report which includes the crime reference number;
- any claim, if the loss or theft of Your own Business Equipment occurs during a journey or whilst in the custody of an airline or other carrier or their handling agent and an official report or a Property Irregularity Report (PIR) was not obtained;
- claims arising from Your own Business Equipment being delayed, detained, seized or confiscated by Customs or other officials;
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Landing;
- damage to, loss or theft of Your own Business Equipment, which is being carried on a vehicle roof rack;
- damage to, loss or theft of Your own Business Equipment, if it has been left:
- unattended in a place to which the public have access; or
- left in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local time and there is evidence of forced entry, which is confirmed by a police report.
- in the custody of a person who does not have an official responsibility for the safekeeping of the property.
- anything mentioned in the General Exclusions.
SECTION 29 – BUSINESS MONEY
What is covered:
(Single Trip and Annual Multi-Trip policies only)
We will pay up to £1,000 in total under this Policy for the loss or theft of Your business money during Your Trip.
The maximum We will pay for currency is £500.
What is not covered:
- the Policy Excess in respect of each and every claim;
- any claim for loss or theft of business money if You have not notified the police within 24 hours of its discovery and obtained a written report which includes the crime reference number;
- any claim, if the loss or theft of Your own Business Equipment occurs during a journey or whilst in the custody of an airline or other carrier or their handling agent and an official report or a Property Irregularity Report (PIR) was not obtained;
- any loss if You have not taken reasonable steps to prevent a loss happening;
- loss or theft of business money that is:
- not on Your person; or
- not deposited in a safe, a safety deposit box or similar fixed container in Your Trip accommodation;
- loss or theft of business money that does not belong to:
- Your employer; or
- You, if You are self employed;
- loss or theft of travellers cheques, if the issuer provides a replacement service;
- depreciation in value, currency changes or shortage caused by any error or omission;
- claims arising from delay, detention, seizure or confiscation by Customs or other officials;
- anything that can be replaced by the issuer;
- anything mentioned in the General Exclusions.
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