• Loss or damage to community equipment and assistive devices in transit.
• Cover for items in your own vehicles, leased vans or contractor vehicles (subject to conditions).
• Protection during loading, unloading and installation in people’s homes.
• Transit between stores, community equipment depots and repair centres.
• Cover for specialist items such as hoists, profiling beds, wheelchairs and pressure-relieving mattresses.
• Options for cover on certain medical devices and diagnostic equipment (subject to underwriting).

• Damage during loading, unloading or manual handling.
• Impact damage from sudden braking or collisions during transport.
• Theft from vehicles, depots or temporary storage locations.
• Loss or misrouting of equipment when using third-party couriers.
• Water damage or contamination in bad weather or leaks.
• Damage caused when moving equipment through narrow or cluttered homes.
• Incorrect securing of equipment within vans or trailers.
• Failure of packaging or protective cases during transit.

• Experience with community equipment, wheelchair services and domiciliary care providers.
• Access to specialist insurers familiar with health and social care contracts.
• Policies built around your specific equipment list, routes and storage arrangements.
• Ability to align cover with framework agreements and SLAs.
• Support in understanding gaps between property, motor and transit cover.

• 1. Discovery Call – we discuss the types of equipment you move and how your service operates.
• 2. Data Gathering – we collect information on values, volumes, routes and current cover.
• 3. Risk Review – we look at loading practices, storage, vehicle security and logistics partners.
• 4. Market Approach – we present your risk to appropriate insurers and negotiate terms on your behalf.

• Beds, mattresses, hoists, commodes, walking aids and daily living equipment.
• Deliveries, installations, collections and refurbishments.
• Multiple drops on busy routes across localities and regions.
• Integration with contracts for hospital discharge and reablement.
• Cover aligned to inventory, loan stock and seasonal demand patterns.

• Portable diagnostic devices and monitoring equipment for home use.
• Transit between manufacturer, distributors, clinics and patient homes.
• Contracts requiring rapid deployment and replacement of faulty kit.
• Integration with wider product liability and professional covers.
• Support for pilots, trials and scaling of remote monitoring programmes.

High volumes of movements, tight timescales and varied home environments all increase the likelihood of incidents.

• Multiple deliveries and collections on constrained routes.
• Time pressure at discharge, step-down and reablement points.
• Challenging access in properties with stairs, narrow doors or clutter.
• Use of agency or bank drivers when demand spikes.

When essential equipment does not arrive, or is unavailable due to damage, the impact can be clinical as well as logistical.

• Delayed discharges and extended hospital stays.
• Increased risk of falls, pressure damage or deterioration.
• Frustration and anxiety for service users and families.
• Escalation of complaints and involvement of patient advocates.

• Repair or replacement of damaged or lost equipment.
• Emergency hire or purchase of short-term replacement kit.
• Call-out and overtime costs to re-visit homes and reinstall kit.
• Increased transport costs to re-run failed routes.
• Potential excesses and uninsured elements of losses.
• Higher long-term insurance costs after repeated claims.

• Number and type of vehicles used for equipment movements.
• Average and maximum values per load or per vehicle.
• Route profiles – local, regional or national distributions.
• Frequency of delivery and collection runs.
• Use of third-party logistics or courier services.
• Historic loss experience and near-miss reporting.

Situation: Several profiling beds were damaged when a delivery van braked sharply to avoid a collision.

Impact: Equipment was unusable, delaying planned discharges and requiring emergency replacements.

Resolution: The equipment in transit policy helped fund replacement costs (subject to the policy terms), while the service reviewed loading and securing procedures with drivers.

Situation: A consignment of home monitoring devices was lost while being shipped via a national courier.

Impact: The courier’s standard liability fell well short of the true value, and deployment timelines were disrupted.

Resolution: The specialist transit cover arranged by Insure24 responded beyond carrier limits, while the client moved future shipments to a more controlled logistics model.

• Standard operating procedures for loading, securing and unloading equipment.
• Use of appropriate fixing systems, straps and racking in vehicles.
• Risk assessments for challenging properties and access routes.
• Use of trolleys, dollies and manual handling aids where possible.
• Vehicle checks and route planning to minimise unnecessary risk.
• Clear rules on unattended vehicles and overnight loading.
• Regular toolbox talks with drivers and technicians.
• Close working between depot, logistics and clinical teams.

Ideal for: Smaller equipment services, domiciliary providers and local charities.

• Essential cover for equipment in transit in your own vehicles.
• Clear, simple limits aligned to your stock profile.
• Integration with property and liability programmes.
• Support to build better processes as your service grows.
• Options to include hired-in or loan equipment.

Ideal for: Medical device manufacturers, distributors and digital health providers.

• Bespoke consideration of higher-value and sensitive kit.
• Integration with product liability and professional indemnity.
• Support with pilots, trials and rapid scaling of new models.
• Options for international movements and multi-country programmes.
• Collaborative approach with specialist life science underwriters.

• The value of your equipment, devices and assistive technology.
• Your ability to maintain safe and timely care pathways.
• Your contractual relationships with commissioners and partners.
• Your financial resilience when unexpected transit losses occur.
• Your wider reputation as a reliable equipment and device provider.

• NHS and local authority community equipment frameworks.
• Service specifications for wheelchair and mobility services.
• Insurance clauses within long-term outsourcing contracts.
• Requirements for maximum response times and service levels.
• Data and reporting requirements linked to incidents and losses.