Some of my equipment is hired, some is borrowed and some is owned by me, will it all be covered?

Not necessarily.

Typically, when hiring equipment you will be responsible for insuring it and your insurance must include 13 weeks ‘loss of hire’ cover, which compensates the hire company for lost income should their equipment be lost or damaged whilst in your possession.

Some hire companies may offer their own insurance but this can be expensive and the majority don’t.

We advise you insure any borrowed equipment along with your own, particularly if borrowing it for an extended period.