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Your tools and equipment are important for getting the work done. This Tools in Transit Insurance policy is perfect for tradesmen who regularly carry tools in their vehicle, and rely on the tools to earn an income.

​Tradesman Tool Insurance will cover the cost of repair/replacement for your tools if they are lost/damaged whilst being loaded/unloaded, carried by, or temporarily housed in your vehicle.

This policy works on a per vehicle basis. If you need to cover more than one vehicle, you will need to purchase a policy for each vehicle to be covered.

Tool Insurance 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
  • UK telephone support

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Nuts & Bolts

What Does Tools in Transit Insurance Cover?  

  • Up to £10,000 cover for cost of repair, reinstatement or replacement of property belonging to you or for which you are responsible is lost, destroyed or damage whilst being loaded in or upon, carried by, temporarily housed in or upon, or being unloaded from your vehicle.
  • Full UK network of approved suppliers with access to tens of thousands of product lines
  • Overnight storage of tools in the vehicle is permitted, subject to security conditions, which include the requirement that the vehicle is in a locked garage or compound or, as long as it is alarmed, on the insured’s driveway

​For full terms and conditions of cover, please refer to the policy wording.

Potential Claims

Below are some examples of scenarios that could be covered under a tools in transit insurance policy:

  • Your tools are stolen from your vehicle whilst they are being loaded into or unloaded from the vehicle.
  • Your tools are stolen whilst they are temporarily stored in your vehicle (please note that conditions apply in relation to tools left in your vehicle, particularly overnight – please refer to the policy wording for details).
  • Your tools are damaged whilst they are being loaded into or unloaded from your vehicle, or whilst they are in transit.

Tradesmen We Cover

Building Contractors

Builders Insurance

Building Contractors

Installers, fitters & gardeners

Building Contractors

Electrical contractors

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