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Information on laptop insurance required for travel, home and/or mobile working
Where equipment is either regularly or permanently used by employees at home the employee must arrange cover under their existing Household insurance policy, this is usually at no cost, however any additional costs may be reimbursed on the production of receipts by way of an expenses claim.  Employees must notify their home contents and buildings insurer(s) that they will be working from home to ensure that their house and contents insurance cover is not affected

Guidance regarding insurance cover for University owned laptops

Travelling with a University owned laptop

There is business equipment cover, as part of the University’s travel insurance policy, when the equipment is being used on a business trip but this is subject to an excess of £100.00. 

Please note:

  • There is cover for incidental travel alongside any business trip, which will include an additional day or two but any extended stay will not be covered. 
  • The travel policy will also exclude loss or damage sustained whilst the laptop is in the custody of an airline or other transport carrier unless reported immediately upon discovery and in the case of an airline, a property irregularity report obtained.
  • Under any insurance arrangement there has to be reasonable precautions taken to secure valuable equipment – for example it would not be considered reasonable precaution for this equipment to be left unattended on a train or other public transport.
  • Laptops must be kept in a secure place and not left unattended in a vehicle unless out of site in a locked boot, where they are left unattended in a room ideally they will be locked in a drawer or cupboard to provide additional security or the room will be locked with a limited number of key-holders.

Using a University owned laptop on or off campus

The University has an insurance policy providing cover for its computers/laptops but it is subject to an excess of £1,500.  Therefore, damage or loss to individual laptops will be excluded by this policy because the excess is too high. 

If an individual laptop is damaged or stolen, a claim may be submitted under the self-insurance scheme.  Approval of such claims is decided on a case by case basis and, as above, it has to be shown that there were reasonable precautions taken to care for and secure valuable equipment. 

Please note: if there is additional security provided for the laptop, e.g. security cables, they must be used.

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Modified 13/09/2016
Author: AdminS, AdminS