How to Get Insurance for Your Toolbox If You Are a Mechanic

Updated March 23, 2017

When working as a mechanic, it is inevitable that you will accrue a wide variety of tools. These tools, when totalled together, can often be worth thousands and are difficult to replace in the event that they are lost or stolen. There are companies that are specifically dedicated to providing toolbox insurance to mechanics and other people who rely heavily on tools to perform their everyday tasks.

Consult with your site foreman to ensure that your tools are not already covered by the site's insurance policy. While most site insurance policies do not cover individual mechanic's tools, it is always best to check before purchasing your own.

Take stock of all of your tools and try to assess a total value. It is a good idea to make a list of your tools and what each one is worth --- this will help you to find a total and will also aide in cataloguing possible losses.

Contact a tool insurance provider and get a quote on a policy that works for you. As an example, Garage Guys and Pro-TEC both have various levels of coverage for up to £32,500 worth of tools.

Fill out whatever paperwork is required by the provider you choose to finalise your policy. Making sure the paperwork is completed correctly is a critical step in covering your tools.

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