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Tools in Transit Insurance

Your tools 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 £5,000 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

tool insurance


Nuts & Bolts

What Does Tools in Transit Insurance Cover?  

  • Up to £5,000 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.

Policy Limitations and Exclusions

All tradesman tool insurance policies are subject to terms and conditions, and we strongly recommend that you take time to read the policy document to familiarise yourself with those terms, particularly any limitations that may be relevant to you and your business activities.

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.

Claims Process

In the event of theft of your tools you must first of all notify the police.

You should notify your claim to insurers by following the claims procedure detailed in your tools in transit policy documents.  The insurer will ask you to confirm the circumstances of the matter, may ask you to complete a claim form and supply certain documentation (such as proof of purchase or ownership) to substantiate your claim.  If your claim is in relation to the theft of your tools you will be required to provide a police crime reference number.

The insurer will review your claim, and if valid, will settle your claim by covering the costs of repair or replacement of your damaged or stolen tools.

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Public Liability Insurance

Accidents happen. Public Liability Insurance keeps you covered if your client or a member of the public suffers an injury or damage to their property which was your fault...

Legal Expenses Insurance

As a self-employed tradesman, you may come up against a range of legal risks, particularly contract disputes and debt recovery. With access to legal assistance, you don’t have to let things slide, and can get the defence you need without worrying about the fees...

​Tradesman we cover

Building Contractors

Building Contractors

Building Contractors

Installers, fitters & gardeners

Building Contractors

Electrical contractors

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