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Insurance for tools

Now with Tools Essentials. If your tools are stolen or damaged, we help you replace your most important ones within 24 hours, after a few checks.

Up to £1,500 upfront within 24 hours, after claim checks. Tools and Business Equipment required. Limits apply. Mon to Fri, 8am-6pm (excludes Bank Holidays).

Get a quote Retrieve a quote

or call us on 0345 303 1761

Call us on 0345 303 1761

Leave tools in your vehicle overnight? Get them covered 24/7, anywhere in the UK and EU, when you add Overnight Tools Cover.

New policies only, claim limits apply.

  • Get 10% off when you buy online.

    Introductory offer, new customers only, minimum premiums apply.

  • Tools covered anywhere in the UK and EU.

    Claim limits apply, tools must be secured.

  • We'll transfer up to £1,500 to help you replace your vital tools, within 24 hours of checking your claim, with Tools Essentials.

    Tools and Business Equipment required. Limits apply. Mon to Fri, 8am-6pm (excludes Bank Holidays).

  • We guarantee to beat your quote or renewal premium from any other insurer.

    Excludes van. New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

Get a quote
or call us on 0345 303 1761
Get a quote Call us on 0345 303 1761

When it comes to tools insurance, we've nailed it.

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
Daytime
Anywhere in the UK, including your locked garage, lock-up or home		 Overnight
In your locked garage, lock-up or home		 Daytime Overnight
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 within 24 hours, after claim validation. Tools and Business Equipment required, 8am-6pm, (excludes Bank Holidays). Claim limits apply.

With Tools and Business Equipment, your tools are covered when they are:

  • Locked in your vehicle anywhere in the UK or EU during the day
  • Anywhere in the UK, including locked in your garage, lock-up or home, during the day
  • Locked in your garage, lock-up or home, in the UK overnight

With the Overnight Tools add-on (for an extra premium), your tools are covered when they are:

  • Locked in your vehicle anywhere in the UK or EU overnight

And you get Tools Essentials with both:

If your tools are stolen or damaged, we'll transfer up to £1,500 up front to you, following claim approval

Overnight Tools Cover is optional and is available on new policies only. Tools Essentials gives you up to £1,500 upfront within 24 hours, after claim validation. Tools and Business Equipment required, 8am-6pm, (excludes Bank Holidays. Claim limits apply.

What's covered?

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:

  • Blow torches
  • Channel locks
  • Chisels
  • Cleaning supplies
  • Drills
  • Hammers
  • Lawnmowers
  • Paint trays and brushes
  • Pipe cutters
  • Pliers
  • Pressure washers
  • Saws
  • Screwdrivers
  • Spanners
  • Spirit levels
  • Steps and ladders
  • Vacuum cleaners
  • Wire strippers
  • Workbenches
  • Wrenches

We can also cover the electrical equipment used by your business, such as:

  • Digital cameras
  • Handheld survey equipment
  • Laptops and tablet computers
  • Palmtops
  • Removable satellite-navigation systems
  • Smartphones

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.

Get a quote
or call us on 0345 303 1761
Get a quote Call us on 0345 303 1761

  • Tools and Business Equipment cover

    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:

    • Up to 5 workers – £40,000
    • Up to 10 workers – £50,000
    • Up to 15 workers – £75,000

    Cover limit for tools owned by your employees - up to £10,000 per person, per claim. Excess per claim - £100

  • Overnight tools cover

    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:

    1. Select 'Tools and Business Equipment Cover' and any other cover you need
    2. Enter details about yourself, your business and people in your business
    3. When asked about 'Tools and Business Equipment' answer 'Yes' to the question: 'Our standard cover excludes theft from a vehicle overnight. Would you like to add cover for overnight theft of your tools and business equipment from a vehicle?'

    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

    • Extra cost added to your premium
    • For new policies only
    • Your vehicle must be secured at all points of entry and any alarms or immobilisers must be set.
    • You must be a UK resident to have tools cover in the UK and EU
    • Tools must be hidden from view and removed when the vehicle is not being used for business purposes for more than five consecutive days.
    • Tools are covered in your vehicle
    • Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, and handheld survey equipment etc.
    • There is a limit of £10,000 per claim and a single article limit of £1,500.
    • An excess payment is required if you make a claim. You will have to pay 10 per cent of each and every claim, with a minimum contribution by you of £100 up to a maximum contribution by you of £500.

  • Tools Essentials

    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, within 24 hours, to help you replace your essential tools.

    What are the benefits?

    • By transferring the money to you, you have the flexibility of replacing your tools like for like, so that you can go back to building your empire.
    • We transfer the money to you, even if your tools are stolen or damaged while working abroad (within the EU).
    • If you've had more than £1,500 of tools and equipment stolen or damaged, we'll process the rest of your claim and when approved, send you the remaining balance of your claim.

    How do I get Tools Essentials?

    Buy Tools and Equipment Cover, with or without adding Overnight Tools Cover.

    Conditions

    • Upfront payment of up to £1,500 is transferred to your account, within 24 hours, after the claim has been validated.
    • Proof of purchase or ownership needed.
    • Crime Reference number or proof of damage needed.
    • Claim limits apply.
    • To report damaged or stolen tools, our lines are open between 8am-6pm, Monday to Friday, excluding Bank Holidays.

  • Why do I need tools insurance?

    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.

Get a quote
or call us on 0345 303 1761
Get a quote Call us on 0345 303 1761

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We can cover you if your employee becomes ill or gets injured because of the work they do for you.

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Direct Line insurance policies are underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk. Calls may be recorded.