Tools Insurance FAQs

If you work in a trade connected to the construction industry, your tools are important. You will need to work out what insurance you require to properly protect your business, so it’s useful to know whether tools insurance is something to consider.

Read more about if tools insurance is worth it

Anyone working in construction should consider their insurance. When thinking about what you need, you might also want to think about costs.

Read more about the price of tools insurance

No. Your tools will be covered 24 hours a day, 7 days a week.

Read more about limits to where your tools are covered

You need to check with your home insurance provider. Some home insurance policies might cover tools for work or commercial use, but many policies don’t.

Read more about tools cover in outhouses

Check with your insurer to see if the cover you’ve got fits your needs. As with all insurance, your tools can only be covered by one policy at a time.

Read more about how to cover your tools

Plant is large or heavy machinery and equipment (like concrete mixers, cranes and forklifts). Plant isn’t handheld, and is not covered under our policy.

Find out more about the difference between Plant and Tools

Excesses are the amount we deduct from any money paid to you if you make a valid claim and it’s paid. The amount depends on the level of cover you chose.

Find out more about excesses

When selected, our Personal Tools cover provides 24 hour cover for loss of, or damage to, powered and non-powered hand held tools of all types belonging to, leased to, on hire purchase, loan or hired to you or your Employees.

Read more about Personal Tools cover

Your personal tools are likely to be a critical part of your work as a tradesperson, and therefore knowing that they are adequately protected is likely to be a key consideration.

Read more about Personal Tools cover levels