Goods in transit/tool cover

Discussion in 'General Flooring Chat' started by Neilydun, Sep 14, 2022.

  1. Neilydun

    Neilydun Well-Known Member

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    Four guys I know have had there vans done this week.
    One guy had 10k of kit stolen.
    Has anyone had tool cover and actually claimed on it ?
    I think I am going to have to get cover on at least 3 vans now, as this seems to be a everyday problem now.
     
  2. HC&F

    HC&F Well-Known Member

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    I’ve got it but never needed it thankfully. Got 7k worth of tool cover. Be careful some policy’s don’t cover for tools left on van overnight.
     
  3. merit

    merit Well-Known Member

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    Yeah there’s a limit on most of them. Defo worth getting it all covered cos the fuzz won’t do a god damn thing about it
     
  4. Neilydun

    Neilydun Well-Known Member

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    Yep, the plod are definitely not interested at all. I think a 5k limit would be ok for most of the time, and yes I have seen some overnight clauses, so that would have to be avoided as we do a lot of away work.
     
  5. Simon Grimley

    Simon Grimley Well-Known Member

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    Worth also keeping a list of tools with photos/reciepts/serial numbers. Pain to setup but if anything happens hard for the insurance company to argue.
     
  6. Neilydun

    Neilydun Well-Known Member

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    So, I spoke with several companies today, and they all want receipts for the tools to be covered.
    Some of my kit is old, so I don`t have them.
    There is also depreciation on value, which goes down to 50% over about 5 years.
    As Simon said above, I have offered photos, with serial numbers etc but apparently, that`s not good enough.
     
  7. merit

    merit Well-Known Member

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    Have you tried trade direct insurance?
     
  8. Neilydun

    Neilydun Well-Known Member

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    Ive just taken a look, and I think you can only take it out as an extension of public liability.
    My renewal is December, so will find someone then who can do a package hopefully.
     
  9. merit

    merit Well-Known Member

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    Ah ok
     

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