This policy covers, portable items which by their nature are normally taken outside the premises for use, excluding computers and laptops.

Scope of cover:
All risks of physical damage / loss or destruction by fire, theft or any accidental misfortune not specifically excluded. Cover much wider and includes theft of items outside or away from the Insured’s premises.

Exceptions:
Loss or damage caused by mechanical breakdown derangement or collapse. Normal wear and tear maintenance, corrosion, inherent, vice latent, existing defects. Property more specifically insured.