Does tradesman insurance cover my tools?
Tools cover isn't automatic, but you can add it to most tradesman policies to protect your equipment against theft and accidental damage.
How tools cover works
Tools cover is an optional add-on rather than part of every policy. When included, it typically pays out for theft and accidental damage to your equipment, helping you replace kit fast and keep working. Watch the detail, as cover commonly varies on:
- Whether tools are covered overnight in a vehicle, and if the van must be locked or alarmed
- The single-item limit and overall sum insured
- New-for-old versus wear-and-tear settlement
Make sure your sum insured reflects the real replacement cost of everything you carry, not just your most expensive item. Compare policies to check the limits and conditions actually match how and where you store your tools.
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Are tools stolen from my van covered?
Often yes, but many insurers require the van to be locked and may exclude theft overnight, so read the conditions carefully.
Is hired or leased equipment included?
Not always; hired-in plant is usually a separate cover, so tell your broker if you regularly hire equipment.
Will I get the full replacement cost?
If your policy is new-for-old and your sum insured is accurate, yes; under-insuring can reduce what you receive.