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Tools in Transit Insurance
As a motor trader, your tools are essential to your business. Tools in Transit Insurance ensures you can replace your equipment quickly, minimising disruption to your working day.
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Every business is different. Whether you buy and sell vehicles part-time or operate MOT services from your own premises, it’s vital that you have the proper protection if the unexpected happens during your working day.
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What Does Tools in Transit Insurance Cover?
Tools in transit insurance protects your hand tools, power tools, and equipment while they are being transported in your van or company vehicle.
If your tools are stolen, lost, or accidentally damaged during transit, tools in transit insurance helps cover replacement costs.
Additionally, your essential tools are also covered when they’re being loaded, unloaded and temporarily stored in a secure vehicle.
Knowing your tools are protected isn’t just a financial and professional safeguard, though. It also gives you peace of mind that you can get the job done, whatever happens.
Why Do Motor Traders Need Tools in Transit Insurance?
For mechanics and motor traders, tools are as vital as the vehicles they work on. Replacing stolen or damaged tools can be costly and time-consuming without proper insurance. This policy ensures that if the worst happens, you’re financially protected and can continue working without major disruptions.
For example, imagine you are driving to a job, and you are involved in an accident. Whilst you can claim for the damage to the vehicle itself under a motor policy, you would unfortunately have to pay to replace your damaged tools. With a tools-in-transit policy, you can replace your tools and keep your business running smoothly.
Do Tools In Transit Policies Cover Stolen Tools Stored In A Vehicle?
Yes, this covers stolen tools but only under specific conditions. Tools must not have been left unattended overnight unless securely stored.
If your tools were stored in your van, it must have been locked, with alarms activated if fitted, and there should be clear signs of forced entry.
How Much Does Tools in Transit Insurance Cost?
Protect your business with affordable and reliable coverage. With flexible options available, you can choose the right level of protection for your trade. Call u on 0113 312 0558 to get a quick and easy quote, benefit from competitive pricing, and receive expert support from motor trade specialists.
Why Choose Unicom to insure you?
From commercial insurance and specialist policies to car insurance, we have a vast selection of policies waiting for you here.
Expert Advice
Not only do you get tailored policies, but we'll give expert advice to go with it.
Affordable Cover
Our teams will find you the best premium rates amongst our panel of insurers.
Bespoke Policies
We'll get your business truly tailored cover with our motor trade combined coverage.
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Frequently Asked Questions
While not always required, proof of ownership can speed up claims.
This may include purchase receipts, photos of your tools, and serial numbers or identifying marks. Keeping a record of your tools helps ensure a smooth claims process if theft or damage occurs.
No, standard commercial van insurance covers the vehicle itself but not the tools inside. A separate Tools in Transit policy is required to protect your equipment against theft and accidental damage.