Personal Lines

Tools and Own Goods in Transit

Cover for tools and goods carried in your client's van.

What is Tools and Own Goods in Transit Insurance?

It covers your client’s work tools and the goods they carry against theft and damage, whether stored in their van or in transit to a job.

For a sole trader, a stolen tool bag is not just a replacement cost. It stops work, loses days and puts client relationships at risk. Most standard van policies do not cover the contents.

What does Tools and Own Goods in Transit Insurance cover?

  • Tools: theft of, or damage to, hand tools and equipment kept in the vehicle
  • Own goods: materials and stock your client carries to site
  • 24-hour cover: protection around the clock, not just working hours

Specific cover, limits and exclusions vary by policy. Full terms are confirmed on each quotation.

Limits and Minimum Premiums

  • Premiums starting at just £250 per annum
  • Underwritten by Royal Sun Alliance (RSA)
  • Efficient online quote system
  • Comprehensive 24-hour coverage
  • Automatic renewals
  • Flexible coverage options and limits

Our Appetite

We arrange Tools and Own Goods in Transit Insurance for a wide range of trades, from sole traders to large companies:

  • Bricklayer
  • Carpenters
  • Electricians
  • HVAC Technician
  • Landscaper
  • Masons
  • Plasterer
  • Plumbers
  • Roofer
  • Welders

This above list is not exhaustive, we will look at any Tools and Own Goods in Transit risk

How can DOA help?

Brokers benefit from DOA’s innovative online systems and exemplary service. Our user-friendly platform streamlines operations and our dedicated team ensures quick response times and expert guidance.

If you would like to submit an enquiry to us online and already have access to our online facilities, please click the button below to complete your enquiry (please have your username and password ready).

Online Facilities

For support, please contact:

Francesca Jones Assistant Online Account Handler 01371 705111
Work With Us If you do not already have an agency and would like to become a DOA agent, you can apply here:

 Agency Application