What does tools insurance cover?
Tools and equipment insurance may protect business kit against specified events such as theft or accidental damage. Check whether it applies at your premises, on site, in transit and inside a vehicle. A van insurance policy does not automatically insure the tools carried in it.
What are the theft and storage rules?
Vehicle theft cover can depend on overnight restrictions, evidence of forced entry and required locks or alarms. Unattended tools may have different conditions. Read the storage rules before leaving equipment in a vehicle or at a job, and keep receipts or other evidence of ownership.
How much tools cover do you need?
Add up the replacement value of the equipment you want to insure, including any expensive individual items. Compare the total limit, single-item limits, excess and whether settlement is new-for-old or allows for age and wear. Hired equipment may need separate cover.
Related guides: Tools cover explained · Van insurance and your working vehicle
General information, not a personal recommendation. All cover is subject to eligibility, terms, conditions and exclusions. Read your quote and policy documents before buying.