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Tools In Transit Insurance In a Nutshell

Rhino Trade Insurance 11 April 2022

Tools in Transit Insurance

Tools in Transit Insurance. What is it? Why do I need it, and how do I get my hands on it?

Here at Rhino Trade Insurance, we provide thousands of UK tradesmen and tradeswomen with top cover for their tools. But what exactly is Tools in Transit Insurance? Well, you’re about to find out with Rhino’s handy guide to Tools in Transit Insurance in a nutshell.

What is Tools in Transit Insurance?

Tools in Transit is an insurance policy which protects what tradespeople rely on most to get the job done – their tools.

It goes without saying that you can’t make an income without your tools. There aren’t many jobs that can be carried out without them, and if something were to happen to them, you’d be left empty-handed until you can get them replaced.

With Tools in Transit Insurance, your tools are protected, and if they are lost, stolen or damaged, you can claim the cost of their repair or replacement. With this type of cover for the tools of your trade, you’ll be back to work in no time.

Rhino Trade Insurance are leading providers of tools insurance and thousands of tradespeople in the UK benefit from our low-cost cover.


Who Needs Tools in Transit Insurance?

Every single tradesperson would benefit from having tools cover in place. On average, tools are stolen from tradespeople here in the UK every 23 minutes. And they’re just the ones reported – the true figure could be even higher. Frightening stuff!

Basically, if you can’t survive without your tools – and what tradesperson can? – you should have insurance in place or risk jeopardising your business.


What Does Tools in Transit Insurance Cover?

Our tools insurance covers your tools against damage or theft when they’re kept in your vehicle 24 hours a day. 

Here’s a breakdown of Rhino’s outstanding cover:

  • Up to £10,000 cover for loss, damage or theft
  • Cover for the cost of repair or replacement
  • Overnight storage (subject to security conditions)
  • Optional cover for multiple trades/business activities
  • Instant cover with documents issued immediately
  • Monthly or annual payment options
  • No interest on monthly payments
  • UK telephone support 6 days a week 

Day and night, you can rest easy knowing that if the worst were to happen and your tools were stolen, Rhino will have you covered, getting you back on the tools in no time!


How Does Tools in Transit Insurance Work?

So long as you have receipts or invoices for the tools you want to be covered, you can get Tools in Transit insurance easily from Rhino’s website or by picking up the phone to one of Rhino’s UK-based team. You’ll get your insurance documents almost immediately, and the whole thing can be sorted during your tea break.

Now you might be thinking, what if I need to make a claim – will Rhino ever pay out? Maybe you’ve heard that insurance companies don’t like stumping up cash and will make you jump through hoops to claim. Relax – Rhino is different.

So long as you provide the information we require as quickly as possible, there’s no reason why you can’t have replacement tools, or an equivalent value, in your tool bag within just a couple of days.


What happens if I don’t have Tools in Transit Insurance?

Without this insurance in place, your tools are still just as likely to get stolen, lost or damaged. The difference is, when you’re not covered by tools insurance, you’ll need to bear the full cost of their replacement yourself.

Some tradespeople have built up their tool collection over many years. Tools are expensive, and their prices are rising in line with everything else in the UK. It might be that many tradespeople can’t afford to replace their kit in one go, which might limit the scope of the jobs they take until they have a full set again – and who knows how long that might take.


How much does Tools in Transit Insurance Cost?

At Rhino, our rates are the most competitive you’ll find anywhere. If you’re already a customer of ours, for your Public Liability Insurance, for example, you’ll know how low-cost we are, especially considering the great service we offer.

Our tools insurance is no different. It’s a small price to pay to know that if your tools get lost, stolen or damaged, you won’t have to pay out of pocket for a new set. Oh, it’s also cheaper than a pint of beer, even up North!

And how much can you insure your tools for? Just like with all our insurance, our cover is tailored to you, with options ranging from £500 up to £10,000. The best way to find out how much you’ll pay is to get a quick quote today. Head over to our online quote engine now.

So, there we have it, we told you it was easy. Tools Insurance in a nutshell.

Get Rhino’s Tools in Transit insurance and get yourself covered.

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