Re-posted . Please read your insurance policy

[Chalker]

Looks like no one could reply as I used the word, print! In the title. So here we go.

As a few of you are aware, I had my garage broken into and about £2500 of tools/stock stolen.
having never claimed off ANY insurance in my life (49 year old) . I decided I should claim on my household insurance. My policy says £4000 of cover, so went through the claims process only to be told today that in the small print it says that, trade tools used for work are not covered!!
on the insurance form I was asked what I did for a living and if I worked from home.
So where did they expect me to store tools???
so my advice would be for everyone to check all small print and ring your insurance to make sure tools stored in your garage are covered.

 

[White Room]

Were all at the mercy of insurance companys, so being a tradesman were all stuffed for claiming.

 

[IHB]

Would they have been covered if they were taken from the house/garage? Is the problem that they were stolen from the van (ie no cover for tools left in the van overnight etc)?

 

[Chalker]

Would they have been covered if they were taken from the house/garage? Is the problem that they were stolen from the van (ie no cover for tools left in the van overnight etc)?

They were taken from garage.

 

[IHB]

That's a bummer. Might have been pushing it to claim they were DIY tools.

Edit - Apologies, I was mixing it up with Smiler's thread where his van was stolen.

 

[Spud]

Looks like no one could reply as I used the word, print! In the title. So here we go.

As a few of you are aware, I had my garage broken into and about £2500 of tools/stock stolen.
having never claimed off ANY insurance in my life (49 year old) . I decided I should claim on my household insurance. My policy says £4000 of cover, so went through the claims process only to be told today that in the small print it says that, trade tools used for work are not covered!!
on the insurance form I was asked what I did for a living and if I worked from home.
So where did they expect me to store tools???
so my advice would be for everyone to check all small print and ring your insurance to make sure tools stored in your garage are covered.

perhaps next time ,god forbid ,tell them the tools stolen were DIY tools owned by your wife that way they would be obliged to pay out

 

[Spud]

Just read ihb post you see it the same as I do

 

[Colour Republic]

Yeah I was aware household insurance doesn't cover trade tools, it often doesn't cover things like PC's and laptops too if they are used for business, so you should chek that too.

One thing Chalker, have you checked your public liability insurance? many now do include tool cover up to a small amount like a few grand as standard. Worth a look mate

 

[Chalker]

Yeah I was aware household insurance doesn't cover trade tools, it often doesn't cover things like PC's and laptops too if they are used for business, so you should chek that too.

One thing Chalker, have you checked your public liability insurance? many now do include tool cover up to a small amount like a few grand as standard. Worth a look mate

Thanks for that. Spoke to them today (corgi) fingers crossed.