Tools in Van Insurance NZ
Protect your tools from van theft - one of the most common claims for tradies. Get coverage for tools stored in vehicles overnight and at job sites.
Protect your tools from van theft - one of the most common claims for tradies. Get coverage for tools stored in vehicles overnight and at job sites.
Average value of tools stolen from tradies' vans in NZ
Of tool theft claims involve vehicles
Most van tool thefts occur between 10pm and 6am
What good policies should cover for tools in vehicles
Coverage when tools are stolen from your locked van, ute, or truck. Most policies require evidence of forced entry.
Protection for tools left in your van overnight. Look for policies that don't exclude overnight vehicle storage.
Protection while you're driving between job sites. Covers accidents, rollovers, and damage during transport.
Coverage when your van is parked at a work site during the day. Check for any location exclusions.
Cover for damage caused during break-ins, including locks, windows, and van racking systems.
Many policies cover custom van racking, shelving, and tool storage systems as part of your tool insurance.
Most insurers have security requirements for van tool cover. Meeting these may reduce your premium and ensure your claim isn't declined.
Additional locks beyond factory-fitted locks, especially on rear and side doors
Factory or aftermarket alarm that activates when doors are tampered with
Internal racking or covers so tools can't be seen from outside the vehicle
Park in a locked garage overnight, or well-lit area with CCTV if no garage available
Before purchasing, confirm your policy includes:
Yes, most tool insurance policies cover tools stolen from vans. However, there are usually conditions - your van should be locked, parked in a secure location, and tools may need to be out of sight. Some policies require deadlocks or alarms. Check your policy for specific requirements.
This depends on your policy. Many standard policies exclude overnight coverage in vehicles, or have lower limits. Look for policies that specifically include 'tools in vehicle overnight' cover, and check if there are security requirements like parking in a locked garage.
Not necessarily - but you need to ensure your tool insurance policy covers tools while in transit and stored in vehicles. Some home insurance policies only cover tools at your home. Dedicated tool insurance for tradies typically includes van cover as standard, but always confirm the terms.
It depends on your policy conditions. Some insurers require deadlocks for van tool cover to be valid. Others may accept factory locks if other security measures are in place. Always check your policy wording and meet the stated security requirements to avoid claim issues.
Commercial vehicle insurance typically covers the van itself, not the contents. Tools usually need separate tool insurance or a specific "contents" extension on your vehicle policy. Check with your insurer - don't assume tools are covered just because your van is.
Compare policies that cover tools in vehicles. Don't wait until it's too late.
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