Mechanic Tool Insurance

Both garage and mobile-based mechanics will benefit from tools insurance. Whether you keep tools on your person, at your premises, or in your vehicle.

Like all types of insurance, Mechanic Tool Insurance cost will vary between providers. It will depend on lots of things, like what level of cover is provided, the amount and type of tools you have, your premises, your vehicles, and so on.

Make sure to:

• Research your options
• Pick a reputable motor trade insurer
• Check what you are and aren’t covered for
• Remember than sometimes, a cheaper price means you may face exclusions on cover that you need
• Work with a reliable insurer who can help you understand your options so you can make an informed decision

Tools cover can actually be provided to any motor trader getting cover with us. So if you work in the motor trade and want to protect your portable tools, plant, machinery, stock and goods, you’re in the right place. You could be a:

• Mechanic
• Roadside repairer
• Tyre or exhaust fitter
• Windscreen replacer
• Car valeter
• MOT specialist
• Auto electrician

With Road Runner, a wide variety of vehicles can be covered when it comes to motor trade and tools. This might include:

• Cars
• Vans
• Recovery trucks (up to 17.5T GVW)

The vehicle must be described in the schedule as belonging to or in the custody of the policyholder.

The best way to save money on Toolbox Insurance in the long term, is to carefully research and select your insurer, working with them to make an informed decision on your cover.

We know you need to be cost-effective when running your business. And also that it can be tempting to choose a less well-known insurer with ‘cheap’ policies. But that won’t always work out the cheapest option in the long-run.

Your best bet in getting a comprehensive, cost-effective, high-quality policy, is working with a dedicated, reputable insurer within the motor trade industry.

This way, you’ll work with an insurer who will take the time to understand what you need and build you a policy that’s fit for your business – rather than just focus on getting you the cheapest quote.

If you do choose the ‘cheaper’ option, without doing research into what is and isn’t covered, you may end up out of pocket down the line. Maybe you won’t have cover for a key area of your business, or maybe you’ll be underinsured in other areas because you opted for the minimum level of cover.

For example, say you take out a policy but only opt for the minimum level of tools cover (£5k) to keep your quote down. And then a few weeks into your policy, your premises gets broken into and £15,000 worth of tools are stolen. You’ll only be covered for a third of that cost because you opted for the minimal level of Toolbox Insurance, with the aim of keeping your annual premium down.

At Road Runner, we pride ourselves on working with our customers to get the maximum level of cover at a reasonable price – giving them all the information they need to make an informed decision on their cover.

You can get a quote from Road Runner a few different ways:

• Request a quote here
• Phone 03301 008720
• Email sales@roadrunnerinsurance.co.uk

We’re here to help and talk all things tools Mon-Fri between 9am and 5pm.