hello@prizmsolutions.co.uk
01827 313 931
What is Tools Insurance?
Tools Insurance is an insurance policy which covers your tools and equipment against loss or damage. Thefts of tools from vans is a common occurrence in the UK, with the most commonly targeted trades being roofers, electricians and plumbers - but any tradesman is vulnerable if their tools are kept in their van.
Why do I need Tools Insurance?
If you can afford to replace any stolen tools yourself, then don’t bother buying insurance. However, if the cost of replacing all your tools would be damaging to your business, then please get yourself insured.
Do all policies cover overnight theft of tools?
No. Lots of insurance which say they cover theft of tools contain ‘small print’ which says they only cover tool theft if the van is kept in a locked garage overnight! However, we deal with a small number of specialist insurers who can cover tools kept in a vehicle anytime of day.
What happens in the event of a claim? Will the policy pay for new tools?
The first thing is in the event of a claim, you have to be able to prove you owned the tools you’re claiming for.
Some insurance policies contain an inventory app so you can photo and list all of your tools and what you paid for them. Other policies will expect you, in the event of a claim, to be able to list all the tools, and ideally provide the receipt showing what you paid and when. Policies of this nature tend to pay the second-hand value of the tools concerned NOT the brand new cost.
Have a question?
Our team is
here to help!
One of our team will talk to you about your current circumstances in order to advise the best way forward. If you’d prefer to visit us at our offices in Tamworth, feel free to pop in! Just check our office hours on Google to make sure we’re open.
No, but the more prudent you can be the better. Having to make a claim to replace stolen tools can be stressful, and can impact on your livelihood in the short-term, so the more precautions you can take, the better.
No. This type of policy is designed for your own tools only. If you speak to us, we can cover Hired-In Plant on other types of policy though, so just tell us what you need and we will sort it.
Yes, and no. We only deal with one insurer who will insure tools in isolation, so you may get a better price if we can combine it with your Liability Insurance too, because more insurers will quote.
Like we said earlier, a lot of policies contain small print saying tools are only covered if left in unattended vehicles kept in a locked building. Our job, as your broker, is to make sure you are fully insured in the event of a loss. That’s why we will ask the question and get a policy which covers you when you need it. However, please make sure you can prove that you owned the tools concerned. Even just a photo will help evidence that. If you can’t prove you owned it, why should an insurer pay?
Just give us a call on 01827 313931 as that’s what we are here for. Unlike some other brokers, we have a specialist claims team whose only job is to help you get your claims paid.
Lots of insurers will cover your tools – but if you want cover in your van on your drive overnight the number of insurers who can help drops massively, so please tell us what you need and we will sort it on your behalf.
If you need to make a claim on your insurance, you need to call your insurance broker or insurance company straight away.
If you have a policy with Prizm Solutions, then you simply call us.
As your broker, we are here to help – and we will provide you with all the contact numbers you need to deal with a claim when you take out the policy.
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Prizm Solutions Limited
First Floor
The White House
16/20 Church Street
Tamworth
B79 7DH
Prizm Solutions Ltd are authorised and regulated by the Financial Conduct Authority.
Prizm Solutions Ltd are registered in England and Wales, Registration Number: 05936749, Registered Address: First Floor, The White House, 16/20 Church Street, Tamworth, B79 7DH.
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We’re here to assist you to put plans in place, to help provide you with some protection from those unexpected curveballs that can be a normal aspect of everyday life!
So, let us help you find the right cover for you.
01827 313 931
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