{"id":22593,"date":"2026-02-16T13:23:58","date_gmt":"2026-02-16T13:23:58","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=22593"},"modified":"2026-02-16T13:24:01","modified_gmt":"2026-02-16T13:24:01","slug":"equipment-breakdown-insurance-claims-examples","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/equipment-breakdown-insurance-claims-examples","title":{"rendered":"Equipment breakdown insurance claims examples"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"wp-block-image is-resized\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2022\/05\/equipment-breakdown-broken-laptop-shutterstock-jh-edit.png\" alt=\"Laptop showing spinning timer on the screen shows how equipment breakdown insurance can help small businesses.\" class=\"wp-image-22580\" style=\"object-fit:cover;width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2022\/05\/equipment-breakdown-broken-laptop-shutterstock-jh-edit.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2022\/05\/equipment-breakdown-broken-laptop-shutterstock-jh-edit-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p>If your kit is lost, stolen or damaged, you&#8217;ve hopefully already got equipment insurance (whether that&#8217;s <a href=\"https:\/\/www.policybee.co.uk\/business-contents-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">contents<\/a> and\/or <a href=\"https:\/\/www.policybee.co.uk\/portable-equipment-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">portables insurance<\/a>). Assuming that&#8217;s the case, you know you\u2019re covered.<\/p>\n\n\n\n<p>But what about if something goes kaput? It stops working right when you don&#8217;t need it to. Your computer doesn&#8217;t boot up, or a camera goes on the blink.<\/p>\n\n\n\n<p>Equipment <em>breakdown<\/em> insurance is an additional insurance that covers &#8216;that bit in the middle&#8217; where an item hasn&#8217;t been physically damaged or stolen but just\u2026stops working.<\/p>\n\n\n\n<p>For it to protect you, you need to purchase it along with your other equipment insurance. Then you know you\u2019re covered for all bases.<\/p>\n\n\n\n<p>To paint a clearer picture of what it is, what it does, and when you might need it, here are some <em>actual<\/em> examples of equipment breakdown insurance claims.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Virtual Assistant in MacBook Mayhem<\/strong><\/h2>\n\n\n\n<p>You can\u2019t easily be an efficient assistant, virtual or otherwise, if your computer starts failing to co-operate. But that\u2019s what happened to Ingrid.<\/p>\n\n\n\n<p>She had a problem with her MacBook. There were issues with the display. So Ingrid did the sensible thing and phoned her broker (us) to see if her equipment breakdown insurance could help.<\/p>\n\n\n\n<p>Our claims team\u2019s first job was to establish that the problems weren\u2019t down to wear and tear. Because equipment breakdown insurance doesn\u2019t cover that.<\/p>\n\n\n\n<p>That\u2019s understandable, since we all know things get old and die. In fact, globally, humans discarded <a href=\"https:\/\/unitar.org\/about\/news-stories\/press\/global-e-waste-monitor-2024-electronic-waste-rising-five-times-faster-documented-e-waste-recycling\" target=\"_blank\" rel=\"noreferrer noopener\">62 million tons of electric waste<\/a> in 2022. It is, however, best to replace things before you get to end-game stage.<\/p>\n\n\n\n<p>Luckily for Ingrid, the Apple Service Team established that wear and tear wasn\u2019t the cause of her display issues. It was, in fact, a malfunction with the display\u2019s backlight.&nbsp;<\/p>\n\n\n\n<p>It was repairable. Ingrid\u2019s insurance paid over \u00a3500 for the repair of the MacBook. Her feedback was that our claims team were \u2018very helpful and very responsive. All in all, the process was efficient.\u2019<\/p>\n\n\n\n<p>That\u2019s good to know.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Wedding photographer\u2019s lens loses focus<\/strong><\/h2>\n\n\n\n<p>Weddings can be stressful. And not just for the wedding party. If they don&#8217;t get that perfect shot, photographers can face <a href=\"https:\/\/www.policybee.co.uk\/professional-indemnity-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">professional indemnity insurance<\/a> (PI) claims.<\/p>\n\n\n\n<p>There are a whole host of wedding photography horror stories <a href=\"https:\/\/www.policybee.co.uk\/blog\/wedding-photography-horror-stories\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>, but on this occasion, it wasn\u2019t a PI claim Lowri needed help with. Her lens stopped working, so her equipment breakdown insurance was called into action.<\/p>\n\n\n\n<p>The autofocus wasn\u2019t doing what it should. So, her insurer\u2019s specialist Computer and Technology Solutions team assessed if the lens could be repaired or replaced.<\/p>\n\n\n\n<p>Luckily repair was an option, and Lowri received nearly \u00a31,500 (excluding <a href=\"https:\/\/www.policybee.co.uk\/glossary\" target=\"_blank\" rel=\"noreferrer noopener\">excess<\/a>) to get the lens put right.<\/p>\n\n\n\n<p>Green light for that claim.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Videographer didn\u2019t feel negative when his hard drive failed<\/strong><\/h2>\n\n\n\n<p>You can lose data in a number of ways. A member of staff deleting something would be the simplest. A <a href=\"https:\/\/www.policybee.co.uk\/blog\/cyber-security-definitions-what-means-what\" target=\"_blank\" rel=\"noreferrer noopener\">cyber-attack<\/a> or a hard drive failure are more technical scenarios.<\/p>\n\n\n\n<p>Unfortunately, if your hard drive fails, it can cost you a lot more than just a replacement bit of kit. And that\u2019s especially the case if you run the kind of business that relies on data.<\/p>\n\n\n\n<p>So when Arash\u2019s hard drive \u2018just stopped working\u2019 it could have been costly. He had regularly backed up the files, which is required under the T&amp;Cs of his equipment breakdown insurance. But he didn\u2019t have the latest versions that he was working on.<\/p>\n\n\n\n<p>Luckily, the data retrieval was successful and Arash received over \u00a33,000 to cover the costs of a specialist company being able to get his data back.<\/p>\n\n\n\n<p>Panic over.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The benefits of equipment breakdown insurance<\/strong><\/h2>\n\n\n\n<p>Relying on specialist kit means you can&#8217;t run your business if it breaks. Equipment breakdown insurance helps by paying to repair or replace your gear if it stops working.<\/p>\n\n\n\n<p>It also covers the costs of recovering lost or damaged data as part of the claim if your kit breaks and you can\u2019t retrieve lost files.<\/p>\n\n\n\n<p>A word to the wise though. If your equipment&#8217;s getting past it, it&#8217;s best to replace it in advance. Because equipment breakdown insurance can&#8217;t help if your kit&#8217;s crumbled, worn or torn.<\/p>\n\n\n\n<p>It also can\u2019t help if you accidently hit delete and lose data\u2026regular backups are the best insurance for that.<\/p>\n\n\n\n<p>You can find out more about adding equipment breakdown cover to your <a href=\"https:\/\/www.policybee.co.uk\/business-contents-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">contents insurance<\/a> by calling our team on <strong>0345 222 5391.<\/strong><\/p>\n\n\n\n<p><em>Image used under licence from Shutterstock<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If your kit is lost, stolen or damaged, you&#8217;ve hopefully already got equipment insurance (whether that&#8217;s contents and\/or portables insurance). Assuming that&#8217;s the case, you know you\u2019re covered. But what about if something goes kaput? It stops working right when &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/equipment-breakdown-insurance-claims-examples\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[287],"tags":[276,45,227,137,51,177,226],"class_list":["post-22593","post","type-post","status-publish","format-standard","hentry","category-more-business-insurance","tag-business-contents-insurance","tag-claims-2","tag-equipment-breakdown-insurance","tag-insurance-explained","tag-photographers","tag-videographers","tag-virtual-assistants"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Equipment breakdown insurance claims examples<\/title>\r\n<meta name=\"description\" content=\"Equipment breakdown insurance is for those times when a bit of kit just stops working. 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