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Computer breakdown cover

Whether it’s for accounts or product design, booking hotel rooms or process management, most businesses rely on computers. While your contents insurance may cover you if your computers are stolen, it won’t cover you if your systems break down. Computer breakdown insurance covers your business against the costs of computer breakdown and, perhaps more importantly, loss of your data.

 

Who needs computer breakdown cover?

If your computer systems break down, could you carry on trading? How much would it cost to get a new system configured? If you carry on trading without a stock control or an accounts system, how much would it cost to bring a new system up-to-date?

 If computer systems are a fundamental part of your business – whether you use them for business administration or they are the tools of your trade – you should consider computer breakdown cover.

 

Our computer breakdown cover

All our policies include computer breakdown cover as an option.

 


 Sum insured/limit of liability

All other trades Homeworker and Tradesman
Breakdown Up to computer sum insured Up to computer sum insured
Additional expenses Up to £25,000 Up to £5,000
Loss of data Up to £10,000 Up to £2,500
Rental or replacement equipment Up to £5,000 Up to £1,000
Making systems and records compatible with new equipment Up to £10,000 Up to £1,000
Consultants’ fees Up to £5,000 Up to £1,000
Damage to computers while they are being cleaned or repaired     
Up to £5,000 or 10% sum insured  
Up to £1,000 or 10% sum insured  

 


 

Some examples

You run a surveyors office. The computer running your accounts system breaks down and you have to keep manual records for the three days it takes to get the system up and running again. You then have to pay your staff overtime to bring the new system up to date.

You run a book packaging business from home. Your computer system breaks down and you have to buy a new system. You have to hire an expert to set up a new system for you and lose a day’s worth of work that was on your old machine.

 

Not to be confused with

Buildings and contents cover

Buildings and contents insurance covers the costs of replacing damaged or stolen computers but won’t cover breakdowns and loss of data.

Find out more about buildings and contents cover

 

Business interruption cover

Business interruption cover insures you against lost income or profit from lost or damaged computer equipment – it doesn’t cover the costs of computer breakdown or loss of data.

Find out more about business interruption cover

 

Important note!

This article is for your general information only. Always check a particular insurance product’s policy wording carefully to find out exactly what cover it provides, what the limits of the cover are and whether there are any exclusions.

 

 
 

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