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Tools
Insurance
Independent service from your local insurance specialists
Need a tools insurance quote? Let the independent specialists at your local Coversure compare their markets to find you quality tools for insurance protection. Your local Coversure office can tailor protection to your needs, so start your tools insurance quote today.
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Contact us to get your Tools insurance quote
What Is Tools Insurance?
Tools insurance is a flexible policy designed to protect your tools against loss or damage. Whether you need protection for hand or power tools, your local Coversure can offer you a tools insurance quote to cover* the following:
- Cover from £1,000 to £15,000 of tools
- Cover for portable powered and non-powered handheld tools
- Plant, tools, and equipment insurance for your own or hired in tools
- Business equipment cover for laptops, mobiles, and electronic devices
- Protection for accidental loss, theft, or damage
- Cover for any stock you might have
- Owned, loaned, leased, or hire-purchased tools
If you’d like to know more, please contact your local Coversure broker, and they’ll be happy to give you some independent advice and a tools insurance quote.
What Does Tools Insurance Cover?
Tools insurance through your local Coversure office is tailored to your needs, but a typical policy will include:
- Tools and equipment cover from £1,000 to £15,000 or more, depending on your needs
- Protection of your tools overnight, whether they are in your van, home, or place of business
- EU cover should you do work in Europe
- Tools in transit that protects your equipment while you are on the road
How Much Does Tools Insurance cost?
How much your policy will cost depends on factors such as:
- The value of your tools
- Where they are stored when not being used
- Where you work
- The kind of work you are doing
How To Save On Tools Insurance
The best ways to save on tools insurance are to use an independent broker such as your local Coversure, as they can do the shopping around for you and don’t make any claims. To avoid making claims, protect your equipment by:
- Keeping your tools stored securely at night
- Increasing the security of your van – extra locks and internal CCTV is a good idea
- Marking your tools with your details using invisible/UV ink
- Registering your tools’ serial numbers online. The police find recovering unregistered tools difficult, so registering them to a database can help should they be stolen
The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Tools cover for you.
Tools Insurance FAQ
Tools insurance is a complex cover area, so to help you get the protection you need, here is Coversure’s personal tools insurance frequently asked questions. We hope they will be of help, but if you’d like some independent advice, contact your local Coversure office.
Which tools can I cover?
The tools of your trade, so everything from power tools and hand tools to hair straighteners and laptops
What's the cover limit?
Most policies are limited to between £1,000-£15,000, but if you need more, then contact Coversure
Are my tools only covered while I am at work?
No, they’ll be protected 24/7
. Are tools covered by my home insurance if I keep them there?
Possibly. Some home insurance policies do cover tools, but most don’t
Does it cover the cost of repairs?
Yes, for accidental damage, your policy will pay for repairs
Can I claim if my tools wear out?
No, wear and tear isn’t usually covered
What's not covered?
Typically, the following won’t be covered:
- Breakdown
- Explosion
- Loss by disappearance, which is only discovered by a routine inventory or periodic stock-taking
- If they are left unattended in open environments
How can I get a tools insurance quote?
Getting a quote is easy. Contact your local Coversure broker or start your tools insurance quote today
Need a Tools Insurance quote?
If you’d like a Tools Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.
* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.
