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.