We guarantee to beat your new insurance quote or renewal premium from any other insurer.
New policies only. Cover on an equivalent basis to ours. Excludes policies with home emergency cover added. Qualifying criteria apply. Terms & Conditions.
With our insurance options, you choose what's right for you. Whichever option you select, you'll get a fast-upfront payment if your tools get stolen or damaged, with Tools Essentials.
|You choose what's right for you|
|In the UK||Locked in your vehicle anywhere in the UK or the EU||Tools Essentials
If your tools are stolen or damaged, we'll transfer up to £1,500 up front to you, after we check your claim
Anywhere in the UK, including your locked garage, lock-up or home
In your locked garage, lock-up or home
|Tools and Business Equipment insurance|
|Overnight Tools Cover add on (for an aditional premium)|
Overnight Tools Cover is optional and is available on new policies only. Tools Essentials gives you up to £1,500 upfront, after claim validation. Tools and Business Equipment insurance required, 8am-6pm, (excludes Bank Holidays). Claim limits apply.
From plumbers to carpenters, gardeners to electricians, we cover a wide range of tradespeople and can therefore insure many different types of tools. Some examples of the tools we cover include:
We can also cover the electrical equipment used by your business, such as:
If you want to check whether we can cover any tools or equipment not mentioned above, just speak to a member of the team. We'd be happy to help.
We cover tools and equipment that is stolen or damaged during the day. When the items are left unattended, they must be secured in a locked building or in a vehicle where all points of access are locked.
Also covered, are tools and equipment left unattended overnight in your home, garage or lock-up, if your home, garage or lock-up are secure and locked.
If you want your tools to be covered when left in your vehicle overnight, giving you 24-hour tools cover, read more here.
Cover limits for tools owned by business owners, partners or directors are:
Cover limit for tools owned by your employees - up to £10,000 per person, per claim. Excess per claim - £100
If you're concerned about your tools getting stolen overnight from your vehicle, you can upgrade your Tools and Business Equipment insurance to include Overnight Tools Cover, for an additional premium.
With Overnight Tools Cover, you'll be covered whether your vehicle is parked in the street, on your drive or in a hotel car-park while working away.
To get 24/7 cover for tools left in your vehicle overnight - anywhere in the UK and EU:
If you're an existing customer and can't add Overnight Tools Cover to your Tools and Equipment Cover, call us on 0345 303 1761.
Cover conditions for theft of Tools and Business Equipment from a vehicle overnight
We know that when you're in the trades, your tools are vital and if the worst happens, they can be very expensive to replace, putting a pause on your business.
With Tools Essentials, we help you replace your essential tools fast, so that you can get back to work.
How does Tools Essentials work?
If your tools are stolen or damaged, contact us as soon as you can. After a few checks, we transfer up to £1,500 to you, to help you replace your essential tools.
What are the benefits?
How do I get Tools Essentials?
Buy Tools and Equipment Cover, with or without adding Overnight Tools Cover.
Read more on Tools Essentials here.
When much of your business is generated by word of mouth and positive reviews, maintaining a good reputation is vital. But if your tools get damaged or stolen, you risk having to cancel jobs at the last minute and disappointing clients.
Tools insurance enables you to replace your tools quickly if you need to, so you can continue completing jobs to a high quality and on time.
Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.
We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.
If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.
You can choose Personal Accident as an add-on once you've completed your quote.
Our virtual assistant is here to answer your questions. If it doesn't have the answer, we'll put you in touch with someone who can help.
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