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Your tools and equipment are vital for getting the job done. But have you thought about what would happen if they were lost, stolen or damaged?

From blow torches to work benches, ladders and 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 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.

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COVER UP TO £7,500
COVER UP TO £7,500

Up to £7,500 cover for loss, damage or theft of your tools while being kept in your work vehicle.


Cover even if your tools are stolen while being kept in your work vehicle overnight. Subject to security conditions.


Cover for the cost of the repair, reinstatement or replacement of your tools.


At Rhino we understand tradespeople. We understand that no good plumber, electrician, or builder can get much done without their tools. Tools are all-important in any trade and can be costly to replace. Without your tools, you’ll be hard pressed to get any good job done.

Tool theft is an ever-growing concern for any UK tradesperson. According to research we carried out in 2021, over 50% of tradespeople in the UK know someone who has fallen victim of tools theft. With alarming statistics like this having cover in place to replace your tools or refund their value in the event of them getting stolen becomes ever more important.

We offer market leading insurance that covers your tools in the unfortunate event of tool theft, meaning that if the worst happens and your tools are stolen, you aren’t left out of pocket.


Jake the electrician visits a friend for the night. He parks his van outside their house. Around 4am, someone forcibly gains entry to Jake’s van and steals his tools. Jake has Rhino’s tool insurance cover, so his tools are quickly replaced at no cost to Jake.

Ashley the joiner is in a minor accident in his work van. His tools are damaged as a result. Luckily, Ashley can call Rhino and claim the cost of repair or replacement.

Gary the mechanic’s van is set alight by vandals while his van is parked within view of his house. The fire destroys his work tools. Gary took out tools cover with Rhino, so all is not lost.


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​What Does Tradesman Tool Insurance Cover?

Tradesman Tools Insurance from Rhino Trade Insurance will cover the cost of repair/replacement for your tools if they are 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.


  • Up to £7,500 cover for tool damage or theft
  • Cover for the cost of tool repair or replacement
  • Overnight van storage permitted (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 six days a week


  • Rhino will cover up to £7,500 for the cost of the repair, reinstatement or replacement of tools belonging to you or for which you are responsible if they are destroyed or damaged while being kept in your work vehicle.
  • We will also cover your tools if they are being loaded in or upon, carried by, or being unloaded from your work vehicle.
  • Tools insurance will cover you if your tools are stolen while being kept in, or unloaded from, your work vehicle.
  • Cover includes damage to your tools from flood or fire-related damage while they’re in your vehicle.
  • Overnight storage of tools in the vehicle is permitted, subject to security conditions, which include the requirement that the tools are locked in the boot, the vehicle is alarmed on the insured’s driveway or parked in a street fully visible from the window.
  • Up to two claims in any 12-month period allowed under Rhino’s policy terms.

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How do claims work?

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:

  • Your policy number
  • The time and date of the incident
  • The receipt for your tools (emails are fine for online purchases)
  • Police crime reference number, for cases of tool theft

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.

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worker using mixer

Importance of tool insurance for tradesmen

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.

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Benefits of having tradesman tool insurance

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 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.

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Policy Docs

Tools Insurance FAQs

Considering the rate at which tools get stolen in the UK, personal tool insurance is a bit of a no-brainer. If, like most tradespeople, you use your tools every single day and rely on them for your income, it makes good financial sense to insure them against theft or damage.
After you’ve submitted your claim using our simple Claims procedure, Rhino’s partners will process your claim as soon as possible and get you back on the tools in no time.
The cost of tools cover varies, but we are confident that Rhino’s Tools in Transit insurance is one of the best deals you’re going to find anywhere.

Rhino has one of the lowest rates available. It also comes with overnight cover as standard (most policies charge you extra for this as an add-on) and no extra fees from us to spread the cost with monthly premiums.

Your quote will depend on the size and scope of your tool collection, as well as your type of business and the way you store your tools.

Rhino’s handy quick quote engine will be able to tell you how much you’ll pay to insure your tools. Just give us a couple of details about you and your business and we’ll give you a quote in seconds.
With Rhino, it couldn’t be simpler. Head over to our quote engine and find out how much Rhino’s low-cost tool insurance would cost you.

Alternatively, give us a call 0116 243 7904, email us at or get in touch using the chat function on our website. Our friendly, expert UK-based team will be happy to talk through your options.

You can have cover in place in minutes with Rhino. If you change your mind, you can always cancel your policy for a full refund within 14 days.

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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

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All payments inclusive of IPT.