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Equipment breakdown cover

If an essential piece of business equipment breaks down, we'll cover the cost of getting the item fixed or replaced so you can get your business back up and running.

Get a quote Retrieve a quote

or call us on 0345 301 4827


call us on 0345 301 4827
  • We guarantee to beat your new business quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Why do you need equipment breakdown cover?

Making sure your equipment is in good working order is key to running a successful business. Not only can fixing or replacing damaged items be expensive, inconvenient and time-consuming, it can also halt your business activities.

For example, if you are a freelance designer and your computer equipment breaks down, preventing you from accessing your files and doing your work, you might not be able to complete a project for a client in time. If you are a wedding caterer and your fridge breaks down, causing all the perishable goods inside to go off, you could find yourself without any food to bring to the event. Meanwhile, if your boiler explodes, you might have to temporarily shut up shop.

In all these cases, you could have to spend a lot of money to fix the problem quickly. If you can't resolve the problem in time, you risk damaging your business's reputation and losing income. Therefore, it's important to be prepared in case things go wrong.

Get a quote
or call us on 0345 301 4827

What is equipment breakdown cover?

At Direct Line for Business, equipment breakdown cover is included as standard if you select the material damage section of your business insurance policy.

We cover the cost of repairing or replacing insured business items if they break down but exclude damage caused by wear and tear. Policy exclusions, terms and conditions will apply.

Items covered include:

  • Boilers
  • Computers
  • Faxes
  • Food preparation equipment
  • Fridges
  • Heating systems
  • Laundry equipment
  • Printers
  • Security and alarms systems
  • Telephone systems

How can I take out equipment breakdown cover?

Get a quote online to find out if you can include equipment breakdown cover in your business insurance policy. Alternatively, you can call us on 0345 301 4827.

Insurance to suit your business's needs

Equipment breakdown cover is just one of many features that can be included in your business insurance policy. From public liability to professional indemnity, cyber cover to business interruption, you can pick and choose from a range of cover types to create a personalised insurance policy that suits the needs of your business.

Get a quote
or call us on 0345 301 4827