Covers ‘all risks’, theft and breakdown included, puter and ancillary equipment. Chips and standard software are included autocommatically. Other key features: ‘new for old’ settlements; cover in UK premises and in transit; negotiable excesses; loss of data; Data Protection Act liability; and consequential loss following an insured breakdown or loss. Liability insurance may be included. Exclusions are minimal but special precautions have to be taken when computer equipment is left in an unattended vehicle. Policies may apply to personal computers, laptops and mainframe systems. (See Figure 4). See INTERNET LIABILITY INSURANCE.