Compare Tool Insurance Quotes

Q: Are my tools insured in my vehicle?

If you have van insurance , there’s a chance your tools are already covered while they’re in your vehicle. If not, look for a tool insurance policy with overnight cover and tools in transit cover – this means that they’re always protected, even when they’re in your van or on the move.

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What is tool insurance?

Tool insurance, also known as tool cover, is insurance to protect the tools of your trade. If you’re a tradesman, you rely on your tools to get the job done – and chances are you’ve invested a lot of money in making sure you have the right kit. Tool insurance helps keep that investment safe. If your tools are lost or damaged, it’ll pay out to help you replace them.

Some tool insurance policies come with overnight cover – meaning your tools are protected 24/7, whether they’re at home, at your business address, or in your van. This can also include tools in transit, so you’ll stay protected wherever you go.

What’s included
- Natural disasters like fire, flooding, or storms
- Deliberate vandalism or burglary
- Accidental damage – as long as it isn’t considered negligence
What isn’t
- Ordinary wear and tear to your tools isn’t usually included
- You’re not covered if you or your staff cause deliberate damage
- If there’s a fault with your tool, it should be covered by the warranty – not insurance

How does tool insurance work?

Tool insurance works by protecting the tools you use up to a certain amount. If your tools would cost £5,000 to replace, you can take out £5,000 of insurance. You can choose how much cover you need – it depends on how much you’ve invested in your tools, and how much of a risk you face if something going wrong.

It’s important to double-check your policy documents so you know exactly what’s covered and what isn’t. Some policies might not cover tools overnight or in transit. Others might only cover your own tools, and not those you’ve rented.

Employers’ liability insurance

If you have any employees, this is a legal requirement – it makes sure you’re protected if anyone who works for you becomes ill or is injured
Public liability insurance

With public liability, you’re protected if there’s an accident and a passer-by is hurt – for instance, from falling building materials
Professional indemnity insurance

This helps you out if you damage a client’s property or they’re unhappy with your work, and take you to court
Business buildings insurance

If you have a brick and mortar business premises, this keeps you protected against damage from fire, flooding, storms, or vandalism

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Once you've found the right deal for you, simply click through to the provider to finalise your purchase

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Is tool insurance worth it?

Can I insure all of my tools?

Are my tools insured in my vehicle?

Can I add tool insurance to my existing policy?

What is tools in transit insurance?

If your business relies on your tools, it’s worth thinking about taking out a tool insurance policy. Try to add up the value of all the tools you own – consider how much it would cost to replace them, not how much you paid for them originally. If it would be difficult for you to replace your tools, tool insurance might be the smart choice.

You can usually insure any tools up to £10,000. That includes handheld tools, power tools, and plant equipment. Some insurers might exclude some specialised tools, so it’s worth checking your policy document carefully.

If you have van insurance, there’s a chance your tools are already covered while they’re in your vehicle. If not, look for a tool insurance policy with overnight cover and tools in transit cover – this means that they’re always protected, even when they’re in your van or on the move.

Some types of business insurance, such as business contents insurance or public liability insurance, will let you include tool insurance as an add-on. It can be more convenient and save you money, so check your existing policy.

Tools in transit insurance covers your tools while they’re being driven around, loaded, or unloaded.

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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.

Tool insurance

Compare tool insurance from UK insurers such as:

What is tool insurance?

What does tool insurance cover?

What’s included

What isn’t

How does tool insurance work?

What other types of insurance can I get for my business?

Employers’ liability insurance

Public liability insurance

Professional indemnity insurance

Business buildings insurance