Written by Michael Foote, Insurance Expert
Tool theft is one of the most frequent claims made by mechanics and mobile motor traders, but also one of the most commonly rejected by insurers. If your tools are stolen from a van, shed, or garage, you might be surprised to find that you’re not automatically covered.
This guide explains why that is, and what you can do to reduce the chances of a refused claim.
Why insurers are so strict on tool cover
Most insurers have had to deal with high volumes of tool theft claims, particularly from vehicles parked overnight or shared garages. Because of this, policies often include:
- Exclusions for tools left in vans overnight
- Requirements for approved locks or alarms
- Restrictions on cover hours (e.g. no cover between 10pm and 6am)
If your tools were left in a van on your driveway and stolen during the night, your claim may be turned down unless you had specific overnight cover in place.
Mechanics face unique risks
For mechanics, especially mobile ones, tools are often left in vehicles, carried between jobs, or used in unsecured work areas.
Even for fixed-site mechanics, insurers may ask about:
- How tools are stored when not in use
- Whether the premises is alarmed or monitored
- If tools are shared or personally owned
How to reduce the risk of a rejected claim
- Don’t leave tools in a van overnight unless your policy specifically allows it
- Install lockboxes or metal cabinets for on-site storage
- Keep an up-to-date inventory with photos and receipts
- Report thefts promptly and provide a police reference number
If your claim is rejected, having evidence of secure storage and proper documentation can improve your chances of success, or help your broker challenge the decision. If you are unsure what cover you have, speak to your insurance provider, check your policy documents or get a new quote for your mechanic’s cover here.
