Breakdown/Claim
Benefits of our Tools in Transit insurance policies
- Excess as low as £50
- UK-wide cover
- Overnight cover
- 24 Hour claims team
Getting You Cheap Tools in Transit Insurance Quotes
If you're a plumber, an electrician, a builder or any other kind of tradesman, you'll most certainly rely on your tools to do your job. It's therefore important to protect them against the most common risks by taking out a tools in transit insurance policy.
Designed to safeguard your livelihood by providing you with the means of repairing or replacing your tools in the event that they are damaged, destroyed, lost or stolen. Our Tools in Transit Insurance policy provides cover for the following:
Tools stored in your van - Costs associated with the repair or replacement of your tools if they are damaged, destroyed or stolen whilst being stored in your van. This includes cover for tools that are stored in your van overnight.
Tools being loaded and unloaded from your van - Covers repair or replacement costs resulting from your tools being damaged or destroyed whilst being loaded or unloaded form your van.
Tools in transit - Covers the cost of repairing or replacing your tools if they are damaged, destroyed or stolen whilst in transit.
Features and benefits of tools in transit insurance
Excesses as low as £50
Our tools in transit insurance policies are available with excesses as low as £50, ensuring you don't have to worry about forking out loads of money if you need to make a claim for tools that have been damaged, destroyed or stolen.
UK-wide cover
As standard, our tools in transit insurance provides cover for tools that are damaged, destroyed or stolen whilst your van is situated in the United Kingdom, the Channels Islands and the Isle of Man.
Overnight cover
Our tools in transit insurance provides cover for tools that are left in your van overnight. This is subject to you having taken reasonable care to secure your van and provided it isn’t left unaccompanied for 48 or more consecutive hours.
24/7 Claims team
We recognise that your tools are essential for you to be able to carry out your job and therefore provide a 24/7 claims line that enables you to submit a claim as soon as an incident has occurred.
Further information...
As with all insurance policies, there are items and scenarios that aren’t covered. Here are the main ones:
- Your claim might be declined if your van has been left unattended for more than 48 consecutive hours.
- You can't make a claim for wear and tear or any associated loss in value.
- Tools and equipment that is despatched for hire and reward isn't covered.
- You can't make a theft claim where entry to your van hasn't been gained by force or violence.
- Indirect losses aren’t covered. This means you can’t make a claim for things like loss of profit, loss of income or other costs incurred as a result of your tools being damaged, destroyed or stolen.
- Your claim might be declined if your tools were damaged or destroyed as a result of them being packed in a way that is deemed to be inadequate to withstand normal handling during transit.
Tip: Additional exclusions might apply and you should therefore read the policy terms and conditions in full before you buy tools in transit insurance.
Tools in Transit Insurance is designed to provide cover for tools relating to a whole host of trades, these include, but aren’t necessarily limited to:
- Plumbers
- Electricians
- Gas engineers
- Plasterers
- Builders
- Bricklayers
- Locksmiths
- Mechanics
- Gardeners
- Tilers
- Roofers
- Painters and decorators
Tools in transit insurance isn't required by law. However, if you need your tools in order to carry out your job; you should consider how you'd cope if they were to be damaged, destroyed or stolen. After all, the cost to replace them could easily run in to the hundreds, if not thousands of pounds.
Van insurance doesn't usually incorporate cover for your tools. Instead, you can either purchase a standalone tools in transit insurance policy or add tools in transit cover to an existing van insurance policy for a fee.