Business Laptop Insurance
Cover for company laptops and MacBooks wherever your team works, home, client site, or overseas.
The gap most businesses don't find until they claim
Since hybrid working became normal, the laptops a business owns spend most of their life
somewhere the business doesn’t control. That creates three specific problems.
Your office contents policy covers the premises. Once the laptop is in a rucksack on the
Northern Line, most policies either won’t cover or respond with a high excess.
Your employee’s home insurance excludes business use. They may assume their contents cover picks it up at home but almost universally, it doesn’t.
Commercial “all risks” cover exists, but it’s built for a different job. It’s an add-on to a package policy, priced across your whole risk profile, with an excess sized for larger losses. Fine for a £15,000 claim. Not much use for a £900 MacBook Air with a cracked screen.
tinhat™ covers the device itself, wherever it is, with excess starting at just £50.
Who is this cover for
- Hybrid and remote teams — laptops that live at employees' homes, outside your premises cover
- Field and client-facing staff — consultants, surveyors, engineers, account managers
- Creative and technical teams — high-value MacBooks and mobile workstations
- Small businesses without a package policy — where there's no commercial contents cover at all
Get an instant quote
Item type
Make
Model
Quantity
Device purchase date
Item Condition
Discounts for teams
Combine phones, tablets, and laptops under one simple policy. Plus, the more devices you cover, the more you save.
| Number of Devices | Discount |
|---|---|
| 2-4 | 10% |
| 5-9 | 15% |
| 10+ | 20% |
What's Covered
Battery Cover
Covers you for repairs and replacements to your battery if it suddenly stops working outside of the warranty.
Theft Cover
Covers you for any loss resulting from your device being stolen, as long as it is in your possession or stored in a secure place out of sight.
Liquid Damage
Covers you for any accidental damage to your device that results from splashes or full immersion.
Discounts
We offer discounts of up to 20% when businesses covers at least 5 devices, with the discount increasing as you cover more devices.
Worldwide Cover
This policy keeps you covered for the use of your device anywhere in the world. Unlike many insurers there is no limit on the length or number of trips.
Accidental Damage
Covers accidentally cracked screens and any other damage that prevents your device from functioning normally. Accidental damage does not cover general wear and tear or purely cosmetic damage.
Immediate Cover
Your devices are insured from the date that you purchase the policy. So if you order your mobile phone and gadget insurance today, you can get peace of mind straight away. Please note, if you make a claim within the first 30 days, there is an additional excess fee of £50
Accessories Cover
We’ll replace any accessories (up to £150) if they are damaged, stolen or lost at the same time as your device regardless of whether they were supplied with the device or not.
Unlimited Claims
Unlike many insurance providers, we don’t limit the number of claims you can make on this policy.
Unauthorised Usage
If your Mobile Phone is lost or stolen we will cover up to £2,500 of unauthorised calls.
What's not Covered
We’d rather you knew now than at claim stage. The main exclusions:
- Devices left unattended away from a secure place
Theft from a vehicle or premises with no visible sign of forced entry. - Theft or loss not reported to the police within 48 hours, and to the network within 24 hours to bar the handset.
- Claims without proof of ownership in the policyholder’s name.
- Cosmetic damage and general wear and tear
Devices over 36 months old at the point cover starts. - Accidental loss is not covered on laptops. Loss cover applies to mobiles, tablets and smartwatches only. If a laptop is left on a train and never recovered, that’s not a claim. Theft is covered; unexplained disappearance isn’t.
- Breakdown is not covered on laptops. Faults outside the manufacturer’s warranty aren’t insured.
The forced-entry exclusion matters most for field teams a phone left in a locked van isn’t covered unless the vehicle was visibly broken into. Worth putting in your staff device policy. Full terms are here.
Business FAQs
Yes — MacBook Air and MacBook Pro, alongside Windows laptops from the major manufacturers.
Cover is on the device, so a change of user doesn’t affect the policy. Let us know if the correspondence contact changes.
Yes. Cover follows the device rather than the location, which is the main reason businesses take this out alongside a premises policy.
No, unfortunately the user needs to be a UK resident in order to insure your device with tinhat.
In most cases the policy will get immediately approved and we will email your policy documents to you straight away. At this point your will be insured.
Covered worldwide, with no limit on the length or number of trips.
Devices need to be under 36 months old at the point cover starts. Worth timing cover to your refresh cycle.
It depends on your policy’s excess and whether it extends to equipment off the premises. Check both. If the excess is £500 or more, or cover stops at the office door, a dedicated device policy is usually the cheaper way to handle small, frequent claims.
No, you don’t have to insure your device straight away – as long as it was bought in the last 36 months, you can take out a policy with us.
If you pay for your policy monthly then it is a monthly rolling contract and will renew automatically each month until you contact us to cancel. If you pay for your policy annually then it is an annual contract that will renew each year unless you contact us to cancel. For more information and for details of how to opt out of autorenewal on your annual policy, please click here.
One of the simplest ways to pay is by monthly Direct Debit. If you select that option then we will set up a recurring monthly payment for you using the bank details provided.
Alternatively you can pay annually by debit or credit card. Although you’re paying a year upfront, you can still cancel your policy at any time and will get a pro-rata refund for any remaining months on your policy, provided that you haven’t made a claim.
The main exclusions on our policies are:
* Leaving your device unattended when it’s away from your home or business
* Theft from a vehicle or premises where there is no visible sign of forced entry
* Not reporting the theft/loss within 48 hours of discovery to the police and not reporting the theft/loss to the Service Provider within 24 hours of discovery to stop the line and blacklist the handset
* Any claim where you are unable to provide evidence of ownership or receipt (in your name)
* Any claim where your device has not been used since the insurance policy was taken out
* Any claim for Contract Cover made in the first 90 days of policy inception
* For Contract Cover, we will not cover any claim relating to accident or illness, or any claim where you opted for voluntary redundancy
Please read the full terms and conditions for more information.
Of course. If for any reason you aren’t entirely satisfied with the insurance you’ve bought please let us know and we’ll be happy to cancel your policy for you.
If you pay your premium on a monthly basis your policy will be cancelled at the next monthly anniversary of the date your policy commenced. There will be no refund of premium due as the premium paid will have only been in respect of the cover already received.
If you pay your iPhone insurance premium annually and providing no claim has been made under the policy you will receive a proportionate refund of premium based on the unused period of cover under the policy. Policy cover will cease from the date we receive your cancellation instructions or from a later date at your request. If a claim has been made we will cancel your cover but not refund any premium.
You can cancel your auto renewing policy by calling, emailing or writing to our friendly customer service department. For full details, please click here.
In order to make a claim on your insurance you should contact The Oxford Claims Company who are our claims administrators. Full details of the claims procedure and contact details can be found here.
* Loss cover is only available for Mobiles, Tablets and Smartwatches.
1 Laptops not included.
** limited to 2 replacements per year, per item. Unlimited repairs