a younger woman hugging an older woman seated in front of a laptop.

Equipment breakdown cover

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

New policies only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply. Terms & Conditions.

Here's what customers say about our small business insurance.

  • We won't be beaten on price. We'll beat your new business insurance quote or renewal premium from any other insurer.
    New policies only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply. Terms & Conditions.
  • Start a Small Business claim without the need to call.

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.

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 instant small business insurance help 24/7

Virtual assistant logo

Ask our virtual assistant

Our virtual assistant is ready to answer your questions.

WhatsApp QR code

Message us on WhatsApp

Start a WhatsApp chat and get the help you need wherever you are. You can make many policy changes directly on WhatsApp.

Related links

Business interruption

two-users icon

Cover your business for loss of turnover if you cannot trade due to damage to your equipment or premises.

Read more

Contents and stock cover

van

Insure your business contents and stock against damage and theft.

Read more

Public liability

question-mark icon

Cover your business against injury and property damage claims made by the public.

Read more