travel insurance with equipment?

[cheeky_chops]

Travelling BHX to Dublin to run a course this weekend - need to take a load of kit for the attendees to use

Its quite heavy/bulky so is packed in 2 hard cases (regular Samsonite types) and will be in the plane hold. Bit worried about "regular" travel insurance not being fit for purpose esp if baggage goes AWOL as kit totals approx £12k at cost..... Any experience/advise??

[grumbas]

If the kit isn't owned by you (or even if it is but is used exclusively for business purposes) I'd wager on it not being covered under a normal consumer travel policy.

Who insures the kit normally? Do they provide cover away from the normal premises? If not can you add it on?

There are also business travel policies out there that might be more accomodating.

[trickywoo]

Running a course suggests business so if you have insurance (which you probably should) you may find you already have cover.

[cheeky_chops]

Its a bit complex..... we're a ltd co delivering specialist dentistry course content. One of the course sponsors/resellers asked us to run the Dublin course rather than bring 15 ppl to the UK. The kit isnt ours or theirs, is owned by 3rd party who is happy for us to use the kit. The kit usually stays at 3rd parties training centre, occasionally we take to similar gigs in UK. I dont know if its covered away from their unit tbh.... As its the 1st one abroad its become a discussion point!

Go compare offer "business policies" with baggage cover to £3500pp. Im just a bit cautious as these policies might be pointless when you get into the t+c's

Edited by cheeky_chops on Monday 21st March 15:18

[Mr Pointy]

Caunce O'Hara do portable equipment insurance but only up to £5k. You could speak to them & see if they will go higher:
https://www.caunceohara.co.uk/portable-equipment-i...

[grumbas]

cheeky_chops said:

Its a bit complex..... we're a ltd co delivering specialist dentistry course content. One of the course sponsors/resellers asked us to run the Dublin course rather than bring 15 ppl to the UK. The kit isnt ours or theirs, is owned by 3rd party who is happy for us to use the kit. The kit usually stays at 3rd parties training centre, occasionally we take to similar gigs in UK. I dont know if its covered away from their unit tbh.... As its the 1st one abroad its become a discussion point!

Go compare offer "business policies" with baggage cover to £3500pp. Im just a bit cautious as these policies might be pointless when you get into the t+c's

Edited by cheeky_chops on Monday 21st March 15:18

You/your ltd co not owning the kit will make life harder too. That policy you've found sounds like it's geared up to cover employee + laptop + phone, not your scenario.

I'd start by talking to your business insurer, as it sounds like you've got a potential exposure in the UK already that may not be adequately covered too.

If that fails see if the 3rd party can have a similar conversation with their insurer.

[cheeky_chops]

Rapidly finding this a time drain and a problem!

www.caunceohara.co.uk are no dice. Gocompare offer business policies so went to their filtered insurers called up "we dont do business travel policies..." They advised BIBA British insurance brokers association - they only have one company and they wont cover £12k

End result looks like we splitting the kit into 2 hold bags and more expensive/non sharps into our hand luggage/pants....

edit - yes def lack of insurance when travelling in the UK. Something to discuss and factor in going forward

Edited by cheeky_chops on Monday 21st March 18:18

[surveyor]

Occasionally had issues like this. Usually drove and got the ferry to avoid the baggage risk.

[sgrimshaw]

Should Dublin Customs take an interest in the bags, will they consider you're (albeit, temporarily) importing £12k goods from the UK to Ireland?

[Insurancejon]

Stop trying to cover it under travel insurance

You need to add goods in transit, or “ all risks” cover to your normal business insurance

Or get the owner of the kit to do that