Tools in Transit Insurance

Protect the tools that keep tradespeople working

Many van insurance policies don't cover what's inside the vehicle, so a stolen or damaged toolkit can be a costly setback. Tools in Transit Insurance covers theft or damage to tools and equipment while they're loaded, carried, or unloaded, keeping tradespeople on the road and working.

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Cover for the Tools That Make Up a Livelihood

For many tradespeople, their tools are their livelihood, and replacing them unexpectedly can mean lost income on top of the replacement cost itself. Tools in Transit Insurance provides cover up to an agreed level of indemnity if a customer's property, or property they're responsible for, is stolen, destroyed, or damaged while being loaded into, carried in, or unloaded from their vehicle.

  • Protection During Transit, Loading and Unloading

    Cover applies to tools and equipment while they're in the vehicle, and during the moments they're most exposed, being loaded or unloaded.

  • Flexible Indemnity Levels

    Overall cover is available from £500 to £10,000 so the product can be set at a level that suits different trades and equipment values.

  • Variable Policy Options

    Depending on the insurer's option, a claim can be settled by paying the value of the item, repairing it, or replacing it outright.

  • Any Number of Claims

    Customers can make as many claims as needed within their policy year, provided the total paid out doesn't exceed their overall limit of cover.

A van with its doors open showing tools, with traffic cones and a roadworks sign

what the policy covers

When Tools and Equipment Are Covered

  1. Loading

    Cover applies while tools and equipment are being loaded into the vehicle.

  2. In Transit

    Cover continues while tools are being carried in the vehicle, wherever the customer's work takes them.

  3. Unloading

    Cover applies while tools are being unloaded from the vehicle at the point of use.

  4. Theft or Attempted Theft

    Cover extends to loss or damage arising from theft or attempted theft of insured tools and equipment.

Want to know more? Speak to our team about Tools in Transit Insurance.
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Built for Tradespeople, and Beyond

Tools in Transit Insurance is designed with tradespeople in mind, but it isn’t limited to them. Cover is also available for a range of mobile professionals who rely on carrying valuable tools and equipment as part of their work, such as:

  • Electricians, plumbers, and builders
  • Mobile engineers and technicians
  • Other professionals who carry tools and equipment while working on the move
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Why choose Coplus

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Trusted Motor Ancillary Partner

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  • Industry experience since 1988

    Tools in Transit Insurance is a product tradespeople rely on when things go wrong. Our long-standing experience in motor ancillary products means partners get a proposition that's dependable when a claim actually happens.

  • Flexible indemnity levels built to fit your book

    With indemnity levels from £500 to £10,000, the product can be tailored to suit different trades, equipment values, and segments of your customer base.

  • In-house claims management expertise

    We manage claims from first contact through to settlement, using the same in-house teams behind our wider claims services, so the experience reflects well on your brand at every step.

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Frequently asked questions

Tools in Transit Insurance FAQs

What does Tools in Transit Insurance cover?

It covers tools and equipment against theft, or damage while being loaded into, carried in, or unloaded from the insured vehicle, up to the customer’s chosen level of indemnity.

How much cover is available?

Customers choose a level of cover to match the value of the tools they carry, up to the limits set out in the policy wording.

How many claims can a customer make?

Customers can claim more than once during the policy year, up to their chosen limit of cover.

Will a claim be settled by cash, repair, or replacement?

Coplus will repair or replace the tools, or pay the cost of doing so, depending on the claim.

Does my main van insurance policy already cover this?

Usually not. Most van policies cover the vehicle, not the tools inside it, or offer only a low limit.

Does the policy cover tools while they're being loaded or unloaded, or only while driving?

Both. Tools are covered while being loaded into, carried in or unloaded from the insured vehicle, subject to the policy terms.

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