Tools in Transit insurance cover details

What’s covered
  • Up to a specified amount to cover the cost of repair or replacement of stolen or damaged goods.
  • Covers storage in vehicle overnight as long as in a locked garage, building or compound, or parked on a driveway adjacent to your main residence.
  • Cover throughout the UK.
What’s not covered
  • Items not directly connected with trade or occupation include mobile phones, satellite navigation, laptop or computer, camera (full list available in policy schedule).
  • Theft from vehicle if the vehicle is left unattended or items not out of sight.
  • Hire or reward.
  • Wear and tear, manufacturer defect or mechanical breakdown.
Optional cover
  • No optional covers.
Ways to trade
  • Schemes – Build your business by offering bespoke personal lines insurance which meets your customers’ exact needs.

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Market information
  • Theft accounts for 41% of all reported vehicle offences, closely followed by criminal damage at 40%.1
    In 2014 the office of national statistics found there were 358,000 reported instances of thefts from a motor vehicle.2

1: http://webarchive.nationalarchives.gov.uk/20160105160709/http://www.ons...., 2: http://www.telegraph.co.uk/cars/advice/how-to-prevent-car-theft