Get estimated tool insurance premiums tailored to your trade, tool value, and location. Rough estimates based on NZ market data - actual quotes may vary.
Enter the replacement value of all your professional tools
This calculator provides rough estimates based on general NZ market data. Actual premiums depend on many factors including your specific circumstances, claims history, security measures, and insurer underwriting. For accurate quotes, use our quote comparison tool.
Choose from 11 trade categories. Each has specific risk factors and tool types.
Total replacement cost of all your professional tools and equipment.
Location affects premium rates due to varying theft and claim rates.
See estimated premiums from 3 major NZ providers based on market data.
Higher value tools = higher premiums. Tools over $50,000 require special coverage.
Electricians pay less than builders due to lower theft rates and tool portability.
Urban areas (Auckland, Wellington) have higher theft rates than rural locations.
Tools stored in vans cost more to insure than secure storage facilities.
Previous claims can increase premiums. No claims history may qualify for discounts.
Tool marking, GPS tracking, and secure storage can reduce premiums by 10-20%.
Our calculator provides rough estimates based on general NZ market data and typical pricing patterns. These are ballpark figures only - actual quotes can vary significantly based on your specific circumstances, claims history, security measures, and each insurer's underwriting criteria.
You need: your trade type, total tool replacement value, primary work location, and business structure. The more accurate your inputs, the more precise your quotes will be.
These calculator results are estimates only. To get real quotes with accurate pricing, use our quote comparison tool which connects you directly with NZ insurers who can assess your specific situation and provide binding quotes.