Tools Insurance | Direct Line for Business

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

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.

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 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.
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.
Personal accident

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.

	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)

Insurance for tools

Price beat guarantee

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

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

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

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:

Tools and Business Equipment cover

Overnight tools cover

Tools Essentials

Why do I need tools insurance?

Personal accident