So how do I make sure my tools are insured? 

The good news is that you can protect your tools (and other contents) either as an add-on to your van insurance, or as a separate policy. This will protect you not only if they’re stolen, but also if they’re damaged in an accident. But not all tool insurance is the same, so check your policy. 

Be aware that many policies won’t cover your tools if they’re left in the van overnight. You may find it’s not practical to unload and lock up your tools every night, in which case you’ll need to make sure your policy includes overnight cover. That way you’ll be covered not just if your tools are left in the van overnight, but also if the van is parked outside a locked garage or car park.  

Even with this level of cover, insurance providers will expect you to comply with certain security measures, such as locking all windows and doors, never leaving your keys in the van, and having a working alarm.

Is there anything else I need to consider? 

Insuring your tools and equipment is probably essential, but there are a few ways to do it – extending your van cover is just one of them. Here are some factors to consider: 

• all businesses are different, so will need different levels of cover. Carefully read your policy terms to make sure you have adequate cover
• talk through your policy with your insurance provider. That way you can make sure you’re properly covered and are aware of any exemptions  
• insurance is a competitive business. Don’t jump at the first quote you receive – shop around. As a business, you may get a better deal by buying more than one policy at once

How can I get a quote? 

Use our van insurance comparison service to find the right policy for you and your business.