Van insurance??

[macka09]

Hi all. I've just completed an insurance quote but there was no questions relating to cover for tools on van, am I missing something?

 

[rpm]

Think there may be a word missing in the post mate, can`t see what your saying.

 

[macka09]

Edited! Thanks.

 

[rpm]

Sounds like their not covered to me otherwise there would be a limit of valuation clause.

 

[macka09]

I would also assume that. As this is my first quote for van insurance I was unsure whether normally when doing the quote there are options for tools cover??

 

[rpm]

When it comes to any insurance never assume anything and ask everything mate.

 

[oz-plumber]

Tool cover is usually covered by another policy.
You have to have serial no's of the power / cordless tools.
Check the policy because most power / cordless tools are not insurable over 3 years old.
Hand tools - forget it.

If you have some big ticket items - you may want to get a separate insurance policy out on each one - individually. But once again there is an age limit on the tool insured.

It's probably better to have a slush fund to cover the loss of tools.

We've been through claiming loss of tools on a couple of occasions and have come to the conclusion that the cost of the insurance is not worth what they will give you back.