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Tool Insurance

Protect your livelihood

CHOOSE THE VALUE OF TOOLS YOU WOULD LIKE TO PROTECT

£ 0

£0k£1k£2k£3k£4k£5k£6k£7k£8k£9k£10k

INSURANCE QUOTE

This is an indicative quote that is
subject to approval and checks.

TOOL COVER £0

£0

PER MONTH
Includes insurance premium tax
at 12%
RSA

Underwritten by RSA. Est 1706.
Oldest insurance company in the world.

Get an instant quote and protect your tools so you can get back to doing what you do best.

WHY ARMD INSURANCE?

  • Dedicated tool cover designed for tradespeople
  • Free tool inventory app to log and manage all your tools
  • Quick and easy claims process should the worst happen
  • Replace your tools directly from the ARMD online store

NEED HELP?

If you have a question or need
help please click here.

chat

Get an instant quote and protect your tools so you can get back to doing what you do best.

Your business

Just the basics.

Business name
Business description
Business Location
Phone
Vehicle registration

Your security

How secure are your tools and vehicle?

What security is fitted to your
vehicle/s?

Policy start date

Policies can only start from the next working day.

When would you like your
cover to start?

IMPORTANT INFORMATION

  • Excess fixed at £100
  • ARMD’s tool insurance is not ‘new for old’ cover. It protects the depreciated value of your tools from theft and loss, but not everyday wear and tear.
  • ARMD’s quotes are indications only and are made subject to insurers’ approval. If you instruct ARMD to secure cover for you on the terms quoted, we will do so within 24 hours or refund your premium payment in full.

INSURANCE QUOTE

This is an indicative quote that is
subject to approval and checks.

TOOL COVER £0

£0

PER MONTH
Includes insurance premium tax
at 12%
RSA

Underwritten by RSA. Est 1706.
Oldest insurance company in the world.

WHY ARMD INSURANCE?

  • Dedicated tool cover designed for tradespeople
  • Free tool inventory app to log and manage all your tools
  • Quick and easy claims process should the worst happen
  • Replace your tools directly from the ARMD online store

NEED HELP?

If you have a question or need
help please click here.

chat

POLICY COVER

  • You are covered to the extent provided by the policy for physical loss, damage, theft or attempted theft of Own Property (tools, tool boxes, test or demonstration equipment) within Great Britain, Northern Ireland, the Channel Islands, the Isle of Man and the Republic of Ireland whilst loaded upon your vehicle or whilst stored off the vehicle in a Locked Building or a purpose-designed tool store.
  • In addition we indemnify you for loss or damage to employees' effects for the limit stated within the policy whilst such property is being loaded on, carried on, or unloaded from your vehicle.
  • We also cover tools and equipment carried on your vehicle or in your customer's premises for demonstration purposes.

SIGNIFICANT AND UNSUAL EXCEPTIONS:

  • We will not cover Lap-top, palm-top and similar portable computer equipment, mobile telephones, smartphones or mobile communication equipment
  • We will not cover money, credit, debit or charge cards, lottery tickets, scratch cards or property of a similar nature
  • We will not cover theft from unattended vehicles unless all windows, doors or other openings are closed and securely locked, all alarms set and all keys removed. If the vehicle is parked overnight you must comply with the parking conditions set out in the policy.
  • We will not cover theft from a purpose-designed tool store unless the tool store is locked and permanently fixed to the floor.
  • We will not cover second hand property for scratching or denting unless caused by an accident to the conveying vehicle
  • We will not cover own property being driven under its own motive power or property being towed on its own wheels
  • We will not cover own property whilst being dismantled, erected commissioned or tested.

EXCESS

  • £100 for each and every claim

YOUR RIGHT TO CANCEL

You may cancel this Policy in the first year of insurance during the 14 days after the policy has come into force by giving notice in writing to ARMD at [email protected]. This right does not apply at any subsequent renewal of the Policy.

If a claim has been submitted or there has been any incident likely to give rise to a claim during the period of insurance, no refund for the unexpired portion of the premium will be given.

Provided that there have been no claims or incidents likely to give rise to a claim that have occurred then, during the first 14-days after the policy has come into force, insurers will give a refund of the proportionate part of the premium paid in respect of the unexpired term of this Policy, subject to our £50 inclusive of IPT cancellation charge.

You have no other rights to cancel the policy.

RSA

RSA is a leading international general insurer operating in the UK, Ireland, continental Europe and the Middle East.

We are one of the world's oldest general insurers, providing peace of mind to individuals and protecting businesses from risk for more than 300 years.

Today, we are proud to be a customer-focused, agile and resilient business, with strong brands and an emphasis on operational and performance improvement.

INSURANCE FAQs

Yes they are as we recognise that it's not practical to have to load and unload your tools at the start and end of every day. The tools however must be locked in your van with any alarm turned on and out of sight. Your van should be parked:

  • In a locked compound or
  • If you are stopping at a hotel, in the hotel car park or a well-lit street adjacent to the hotel or
  • If you are at home, on your driveway or on a well-lit road next to your home

Yes they are. Simply let us have the registration number of the van that you drive and advise us if that changes. 

Each claim will have an excess of £100 applied

This is an Indemnity policy which means that the insurer, RSA, will take wear and tear into account when settling any claim. They calculate this at 10% of the purchase price per year up to a maximum of 5 years.

The policy works on a per vehicle basis. If you carry your tools in more than 1 vehicle you will need to buy a policy for each

Simply advise us of the registration number of your new van and we will make the changes to your policy for you

We cover hundreds of different trades but there are a few that we don’t. These are:

  • Breakdown/vehicle recovery
  • Bullion and/or precious metals
  • Door to door sales
  • Entertainers
  • Market traders
  • Mobile shops
  • Outworkers
  • Party sales
  • Sales representatives