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Your tools are vital for getting the job done. But have you thought about what would happen if they were lost, stolen or damaged? Enter Rhino Trade Insurance with our outstanding tool insurance.
From blow torches to angle grinders, sanders to pressure washers. Whatever the tools of your trade, get them insured with Rhino today.
Our low-cost insurance cover for the tools of your trade means will mean you never have to worry about loss, theft and damage of your precious portable hand-held and powered tools.
Loss, damage or theft of tools are all very common in the UK and can throw a real spanner in the works when they happen to you. Tool theft, for example, happens every 23 minutes in the UK. That’s a lot of tradespeople unable to work until they can get their hands on a new set – which can cost them a fortune out of their own pocket.
Tradesman Tools Insurance from Rhino Trade Insurance will cover the cost of repair/replacement for your tools if they are lost, stolen or damaged whilst being loaded or unloaded, carried by, or temporarily kept in your vehicle. Unlike many tools policies, Rhino’s Tools in Transit insurance covers the tools being left in your van overnight (because who doesn’t do that?) as standard, not as a costly add-on.
Some examples of situations our insurance for tools would cover:
The cost of cover varies, but Rhino offers one of the most competitive Tools Insurance policies around.
It’s a small price to pay to know that if something happens to your tools, you won’t have to bear the cost of replacements yourself.
Claims excess starts at £150 per claim (not per tool!).
You can choose to pay in full for the next 12 months, or on a rolling monthly payment basis. Paying monthly is interest-free – there are no monthly penalties should you choose to spread the cost with Rhino.
Yes, absolutely. Rhino give our customers access to a full UK network of approved suppliers with tens of thousands of product lines, meaning you can get top-quality replacements for your tools.
So, what types of tools are covered under Rhino’s policy?
If you use them every day, they’re portable, and you keep them either in your business premises, vehicle or on the job site itself, they’re likely to be covered.
This includes:
Under Rhino’s policy, you can keep your tools:
If you’ve got a whole fleet of company vehicles, remember that Tools in Transit cover 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.
For full terms and conditions of cover, please refer to the policy wording. This can be found at the bottom of this page.
If you’d rather chat or ask something specific, chat to our friendly trade insurance experts at Rhino on 0116 243 7904 Mon – Fri 08.30 – 17.30 and Sat 10.00 – 14.00.
If you need to make a claim, it’s easy. You can do it by email, phone call or by First Class post. You should make your claim as soon as possible after the incident, and make sure to keep the following handy:
You must also be sure to report tool theft to the Police within 48 hours of discovery.
All you have to do is follow our simple claims procedure which can be found on our Claims page.
Tool insurance cover is so important because, as a tradesperson, your tools are your means of making a living. Without them, you can’t do a stroke of work.
How likely is it your tools will be stolen or damaged? Unfortunately, it’s quite likely. As you will know, the nature of trade work means that things get damaged frequently, and tools are often first in the firing line simply because they get used so much.
Further, tool theft is on the rise in the UK. Keeping tools in your van overnight makes them even more of a target. But what tradesperson has time to ferry their entire kit into their home every night? Rhino only offers policies designed for the real world, so our tools cover allows you to store your tools in your van overnight.
Tradesman tool insurance is a key piece of business insurance that no tradesperson should be without. It gives you that peace of mind that if your tools were damaged or stolen, you wouldn’t have to foot the bill for a new set.
The key benefit to having tool insurance in place is that if something happens to your kit, you don’t need to start panicking about how you’re going to shell out hundreds or thousands of pounds to replace everything. Even if you do have the ready cash, few tradespeople want to spend their hard-earned profits on replacing or repairing stolen, lost or damaged tools.
Plus, you get peace of mind. Just like with all insurance for tradesmen, tools insurance means that you don’t have to spend any time worrying about your tools and what might happen if they got nicked. The result is a relaxed and happy tradesperson!
Don’t lose valuable income if you fall victim to tool theft, loss or damage. Rhino’s Tools in Transit Insurance will have you sorted with the cash for a replacement set in no time, so you can get on with using them to earn your living.
Tell us your trade and get a tailored insurance quote for your business in seconds
Our team of experts are available to talk to Mon-Fri 08.30-17.30 and Sat 10.00-14.00