A tradesperson unloads tools and supplies from the back of a van parked on a residential street, preparing for the day’s job.

Tools & materials insurance

Protect your tools with Admiral Business Tool & Materials Insurance

Fast claims payments
New for old cover
Prices from £7.49 per month*

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Why do you need tools & materials insurance?

Tools insurance protects your business equipment from loss or theft at home, in your vehicle, or on the road.

What’s included?

Tools & Materials: Cover for tools, materials, and stock whether they’re stolen from your locked vehicle or damaged in a fire or road traffic accident
Storage location: We’ll cover your tools and materials for theft or fire damage, even when stored overnight in your specified storage location.
Laptop & tablet: Cover for one business laptop or tablet
New for old: Tools will be valued at the price you purchased them for with no depreciation included and we'll aim to make payment within one working day of approving the claim

What’s not included?

Hire and Reward: We don't cover items carried for delivery or courier services.
Unsecured Property: We don't cover theft or damage if your vehicle or storage is unsecured.
Wear and Tear: We don't cover pre-existing damage, normal wear and tear, or natural damage.
Force and Violence: We don't cover theft or damage without visible signs of forced entry.
Personal Belongings: We don't cover money, cards, or most electronics.

This content has been created for general information purposes. To ensure you have the correct level of insurance please see our full policy wording.

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Insurance built around the needs of the UK’s small businesses

Flexible cover

Adjust your cover at anytime, without admin fees. As your business grows or changes, you can easily update your cover to match your needs.

No hidden fees

Pay how it suits you, monthly or annually. Plus no cancellation fees.

Simple claims process

Submit a claim online or give us a call. We'll handle the hard part, so you can get back to work, knowing your business is in safe hands.

Top-rated customer support

No long phone queues. No confusing jargon. Our South Wales-based team is dedicated to supporting you and is ready to answer any questions.

Tools & Materials Insurance FAQs

1. What does tools insurance cover?

Don't let a lost drill or a stolen toolbox derail your business. Tools are your investment, and Tools Insurance keeps them covered, anywhere in the UK. Here's what you're protected against:

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• Peace of mind, 24/7: We've got your back around the clock, even on the go. As long as your vehicle isn't left unattended for more than 24 hours, your tools are covered against theft, fire, and damage from road accidents, even if they're stored inside.
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• Complete Coverage: We don't just cover tools. This policy also protects materials, stock, and even your business laptop or tablet in case of theft or damage caused by fire or a road accident.
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• New for old: For ultimate peace of mind. Get full, non-depreciated value for your tools, with a one-day payout target after your claim is approved.

2. Are there any circumstances under which a claim might be denied?

We understand you might have questions about what your tools insurance covers. Whilst we strive to be there for you, there may be some situations where a claim wouldn't be covered under your specific policy.

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To get the most accurate details, we recommend reviewing our Policy Summary. This document outlines everything your insurance covers and some common exclusions.

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Here are a few examples of situations typically not covered by tools insurance:

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• Personal Belongings: This policy is designed for work essentials. Phones, sat navs, and other personal items are not covered.
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• Unattended Vehicles: Leaving your tools in a vehicle for more than 24 hours voids coverage. Make sure to unload your vehicle overnight or invest in secure storage.
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• Everyday Wear and Tear: Tools insurance protects against unforeseen events, not everyday wear. Routine maintenance and natural tool degradation aren't covered.
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• Warranty Claims: If a tool malfunctions due to a manufacturer's defect, utilise the warranty instead of filing an insurance claim.
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Remember, this is not an exhaustive list. If you have any questions about a specific situation, don't hesitate to contact us! We're here to help you understand your coverage and ensure you have the right protection for your business. Reach us at 020 3808 7099.

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3. How can I adjust my coverage if my business changes?

Business changing? We can adjust your tools & materials insurance with ease!

Our tools & materials insurance is flexible – you can increase your coverage as your business grows without incurring any fees; you’ll only pay the additional premium for the higher coverage. Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

4. What support is available if I have questions about my policy?

Our friendly support team is always happy to answer any questions you might have about your tools & materials insurance policy. Feel free to reach out to us in whichever way is most convenient for you:

‍• Call us: Our phone lines are open at 020 3808 7099 (9:00-18:00, Mon-Fri).

‍• Email us: Send your questions to our team at contact@admiralbusiness.com and we'll get back to you as soon as possible.

5. How do I report my claim?

*£7.49 is the price for a Tools Insurance policy with £1,000 worth of cover. It is equivalent to £89.82 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 14th May 2025.