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Tools in Van Insurance

On the Cheaper Van Insurance website, you can access a wide range of UK insurers for your tools insurance needs, as well as motor insurance for vans, trucks and camper vans, and also liability insurance, goods in transit insurance and breakdown cover. We give you simple methods with which to compare great deals across the insurance market, and provide services for specific areas of insurance, unlike some other price comparison websites, which do not tailor their services to specific customer requirements.

Tools in Van Cover

If tools are a necessity for you and your business, it is a good idea to purchase tools insurance. Not only may the damage or loss of tools cause you out-of-pocket expenses for repair or replacement, but your business could lose productivity or come to a complete halt due to an incident such as theft of your tools. Other than the obvious, there are some great benefits to be found with a good tools insurance policy, and these benefits may include cover for tools both whilst in the UK and across the European Union, cover for unattended tools, cover for tools hired, leased or belonging to your employees and replacement of tools on a 'new for old' basis.

Although cover for unattended tools is usually provided under a tools insurance policy, there are often conditions of the policy that state where the tools must be located in order for cover to be provided. The circumstances where tools will be covered when unattended are usually when they are locked in a storage unit or building, or when they are in a vehicle that has been locked securely with all windows and doors sealed tight. The tools would not be covered if, for example, the doors of the vehicle were locked, but windows were left cracked to keep the vehicle cool during warmer months. The conditions of cover may vary, depending on the tools insurance policy you purchase.

"Get your work tools covered for theft or damage"

Tools in Van Insurance - Get Cover for Theft or Damage

Get your work tools covered for damage or theft

Under most tools insurance policies, tools are covered for damage or loss not caused by their own malfunction, explosion or breakdown. If a tool becomes unusable due to general wear and tear, it is likely that an insurance company will not cover the replacement or repair under a standard tools insurance policy. This is much the same as a motor policy, in the sense that motor insurance does not cover the expenses of a vehicle breakdown. The nature of this type of insurance is that the claim must be unforeseeable. As eventual breakdown of tools is a likely occurrence, insurers are not willing to cover the risk.

Tools insurance is usually inexpensive in comparison to other well-known types of insurance. It is most likely that you will be able to choose a value limit for your tools insurance policy, and the value range is usually £500 to £10,000, but this may vary, depending on the insurer. Some tools insurance policies will only cover tools in van, while others will cover the tools in a multitude of places, so long as they are locked up securely. Therefore, it is important that you read all documentation carefully when obtaining quotes and prior to accepting terms of cover for your tools insurance policy.

You can begin obtaining quotations from a panel of insurers, right now. Just use the simple online tools to find out how much you could save on the tools insurance policy that you require.

Cheaper Van Insurance is owned by APB Media Ltd and is an Introducer Appointed Representative of One-Sure Insurance Limited, which is authorised & regulated by the Financial Services Authority (FSA) under firm reference 447730. You may check this on the FSA's register by visiting the FSA's website, or by calling 0845 606 1234.