The short version
- WhyTool theft from vans is common, and tools aren't covered by public liability.
- Biggest catchOvernight-in-van rules. Many policies limit or exclude it.
- Look forNew-for-old cover and a sensible single-item limit.
- Cheapest protectionDon't leave tools in the van overnight.
Losing your tools can mean losing work until you replace them. Tool insurance covers theft and damage, but policies vary a lot in the small print.
What to check in a policy
- Overnight in the van: some policies exclude it, some cap it, some only pay if the van was locked and alarmed.
- New-for-old or indemnity: new-for-old replaces with new. Indemnity pays what the tool was worth, after wear.
- Single-item limit: make sure it covers your most expensive tool.
- Where you're covered: at home, on site, in the van, in transit.
- Excess: what you pay towards each claim.
Cut the risk (and your premium)
- Take tools inside overnight where you can.
- Fit extra van locks and park against a wall to block the side and rear doors.
- Mark tools with your postcode and keep serial numbers and photos.
- Register tools on an online property register.
- Use a lockable van vault or secure storage for high-value kit.
Where to get it
Tool cover can be a standalone policy, an add-on to public liability, or part of some van policies. Bundling is often cheaper, but compare the overnight rules carefully.
Quick answers
Does van insurance cover tools?
Usually not, or only up to a small limit. Check your policy.
Does home insurance cover my work tools?
Often not, or not when they're used for business or kept in a van.
What does new-for-old mean?
The insurer replaces stolen or damaged tools with new equivalents, rather than paying their second-hand value.