Does van insurance cover tools?

With Tiger Insurance you can find updates on van insurance in a matter of minutes. Tradespeople have been warned in 2025 that thieves are using social media to target them for their vehicle tools and equipment.

Ian Wilson, Managing Director of Tiger Insurance said: “Tool insurance is a type of policy that reimburses owners for the cost of tools if they get stolen and could be a lifeline for those unable to replace expensive equipment.”

Things to remember:

The simplest way of seeing if your tools are covered under your van insurance policy is to contact your insurance provider. If you are not covered, you can cover your tools against damage or theft by including van tool insurance as an extra or a stand alone policy.

You are best to compare van tool quotes and see what options are the cheapest for your situation.

You can also secure a policy which includes overnight van tool insurance. However, this will likely incur a higher premium cost.

What can I do to help van insurance cover me?

You can make the process easier by not leaving tools unsecured when not in use. You need to lock all windows and doors of your van when you are away. Don’t take risks such as leaving keys in your ignition, even just to let the car warm up.

How can I get van tool insurance?

To secure van insurance with tool cover, you can use our van insurance comparison site. Here you can compare multiple policies with one short form. Compare over 60 providers and save up to £668.

How important is van tool insurance?

You should not assume that just because you have a standard or even commercial van insurance policy your tools and equipment are insured.

Not all tools will be treated equally by insurers so be sure to check the policy details for any exclusions, opting for a specific tool insurance policy for your van can cover against theft, loss of equipment, fire damage and accidents.

Your tools may be of substantial financial value. You can now avoid paying the entire cost if they are stolen, damaged or lost.

Some insurers will allow you to insure your tools for their full replacement value, while others will only pay a partial refund.

Options:

Compare van tool quotes and see which options are cheapest for your circumstances. Tool insurance can help you get back to your work quickly if something happens to your tools. If the tools are a vital part of your everyday work get in touch now with Tiger.co.uk.

You can also employ more security options such as a tracker or additional lighting.

Exclusions:

If unloading your tools from your van every night is too impractical and unrealistic, you can seek out a policy with includes overnight van tool insurance. It is important to note however that these policies will be more specialised than standard and so will likely be more difficult to find. This will provide you with the coverage you need to leave your tools in your van overnight, even if they are not in a secure garage or car park, however this will likely incur a higher premium cost. Standard wear and tear of your tools will also typically be excluded from insurance policies so make sure to check what is and isn’t covered.