Tools Insurance Cover

Policy Cover

What we will cover.

  • If your tools in transit are destroyed, damaged or stolen whilst in your vehicle we will replace them.
  • If your tools in transit are destroyed, damaged or stolen during loading or unloading we will replace them.

This cover is limited to a maximum of 2 claims in any 12 month period.

What we will not cover

  • The first £100 for each claim.
  • Theft from any unattended motor vehicle unless the tools in transit have been concealed in a locked boot or cargo hold or other locked internal compartment and all the vehicle windows and doors have been securely locked and fastened and the keys removed and unattached trailers have had anti-hitching devices put into operation.
  • Theft from any unattended motor vehicle that occurs overnight (10pm – 6am) unless the vehicle is:
    • parked in an area secured by a locked gate or a locked garage
    • parked on your driveway

(If these conditions cannot be met then you must park your motor vehicle in a well-lit area, on the same street as your private home, and the motor vehicle must be visible form your private home.)

  • Any theft not reported to the police within 48-hours and a crime reference number obtained
  • Any theft unless such theft is evidenced by violent and forcible entry to the motor vehicle.
  • Loss or damage for anything other than your portable tools
  • General conditions
    • Under Insurance – if the total value of the tools being loaded, unloaded or housed is greater than the maximum sum insured then we will only pay the same proportion.
    • Depreciation will be applied to any claim for any tools in transit at 10 % per year from the end of a year.
    • You must provide us with any receipts, documents or proof of purchase that is reasonable for us to request.
    • You cannot transfer the insurance to someone else or include any other tools in transit without our written permission or we may refuse to consider your claim.

Please call us on

01603 400755

or get in touch and we will be pleased to help in any way we can.
Please call us on 01603 400755 or get in touch and we will be happy to help
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