Protect tools of your trade with Tools Cover Insurance

What would you do if the tools you use for work were damaged as a result of an accident, or even worse, someone was to break into your van and steal them?

We aim to offer a tools in van insurance policy that protects you from having to find the money to replace your tools should you find yourself in the unfortunate position that you are unable to work, due to the theft of your tools from your van or tools being damaged as a result of an accident involving the van. By taking out tools in van insurance cover you will be safe in the knowledge that you’ll only need to pay your excess to replace your tools, not the full cost of new equipment.

Six reasons to consider buying tools cover with your van insurance

  • We can offer cover for tools from the value of £2,000 to £10,000
  • Premiums start from as little as £89.95 a year for tools cover worth £2,000
  • No single article tool limit
  • Cover is provided for loss or damage of equipment from your vehicle.
  • Hired tools are covered as well
  • Cover is provided by Royal & Sun Alliance

The reasons listed are subject to the terms and conditions of the policy wording (PDF - 0.2MB).

What we can't cover...

The policy is intended to provide cover for tools and merchandise carried as part of your trade and therefore does not provide cover for items such as cash, credit cards, watches, jewellery, audio/visual equipment and/or mobile phones, electronic organisers and/or similar equipment.

For a full list of excluded property, please refer to your policy wording. Policies will not provide cover for any of the following incidences:

  • Any form of loss or damage that is caused by the trial, test, operation, or use of tools
  • Theft unless it involves violent and/or forcible entry or exit to the motor vehicle
  • Everyday wear and tear or gradual deterioration
  • Claims where the total value of tools and goods carried exceeds £10,000
  • Claims where proof of ownership can't be provided

For further information on what can and can’t be covered, please speak to a member of our team who will happily help you with any questions you may have.

Is tools in van cover for you?

It’s up to you to decide which insurance policies will be beneficial to you and your business. Our main focus is ensuring that you, the customer, are entirely satisfied with your chosen insurance policies. If you need to amend something, no problem, just give us a call. Our friendly business sales team are here to help with all your enquiries and are devoted to helping you find a suitable product for your business and van needs.

Points to remember

Before you take out an insurance policy, please consider the following few points:

  • In the event of a claim, you will need to provide proof of ownership
  • Claims will be subject to deductions for wear, tear, and depreciation