Insurance for Tools

Price beat guarantee

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.

Here's what customers say about our tradesman insurance.

With Tools Essentials, we'll transfer up to £1,500 to help you replace your vital tools, after a few checks.
Tools and Business Equipment insurance required. Limits apply. Mon to Fri, 8am-6pm (excludes Bank Holidays).

  • We'll replace your essential stolen or damaged tech within 24hrs of claim approval, with Business Tech Essentials. Now included with our tools insurance. Excludes Van. Cover & claim limits apply. Mon - Fri 8am - 6pm, except Bank holidays.
  • 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, cover and claim limits apply. Tools and Business Equipment Cover required. Tools must be removed when the vehicle isn't being used for business purposes for more than five consecutive days. Tech such as laptops, satellite navigation systems and phones need to be removed from the vehicle overnight.

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 an 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

Daytime Overnight
Tools and Business Equipment insurance Check icon Check icon Check icon Check icon
Overnight Tools Cover add on (for an aditional premium) Check icon Check icon

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, after claim validation. Tools and Business Equipment insurance needed. Limits apply. 8am-6pm, Mon to Fri, except Bank Holidays.

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.

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

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 for theft of Tools and Business Equipment from a vehicle overnight

  • 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.
  • 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.

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, 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?

  • 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.


  • Upfront payment of up to £1,500 is transferred to your account, 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.

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.

Ask our Virtual Assistant

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.

Message us on WhatsApp

Scan the QR code using your smartphone to chat with us on WhatsApp.

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WhatsApp opening hours:

  • Monday to Friday 8am - 7pm
  • Saturday 9am - 5pm
  • Sunday 9am - 2pm

Call us

If you haven't found what you're looking for yet, then it might be time to call us.

Opening hours:

  • Monday to Friday 8am - 6pm
  • Saturday 9am - 3pm
  • Sunday Closed

Related links

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Drive a van for your business? Learn more about our commercial van insurance.

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Cover your business against injury and property damage claims made by the public.

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Employers' liability insurance

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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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