Tools, Plant & Machinery Insurance

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Protect your owned and hired-in plant, tools and machinery – on site, in transit or at your yard – against theft, damage and breakdown.

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OWNED & HIRED-IN PLANT, TOOLS & MACHINERY COVER

  • Insurance cover icon

    ACCIDENTAL DAMAGE

  • Liability protection icon

    THEFT & VANDALISM

  • Business interruption icon

    HIRED-IN PLANT LIABILITY

  • Cyber and equipment cover icon

    ON SITE & IN TRANSIT

Keep Your Site Moving – Even When Something Goes Wrong

Your tools, plant and machinery are critical to delivering projects on time. This cover helps protect against the cost of repair, replacement and hire charges if equipment is stolen, damaged or lost – whether you own it or hire it in.

What Tools, Plant & Machinery Insurance Can Cover

Flexible cover for contractors, builders, civil engineers, trades and construction businesses who rely on specialist equipment to get the job done.

  • Owned plant and machinery – excavators, loaders, cranes, telehandlers and more
  • Small tools and equipment – power tools, handheld kit, site gear and specialist instruments
  • Hired-in plant – cover for loss or damage, plus continuing hire charges
  • Equipment on site, in storage, at your yard or temporarily off-site
  • Cover for theft, fire, storm, flood, impact and malicious damage
  • Optional accidental damage, breakdown and increased costs of working
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Who Needs Tools, Plant & Machinery Cover?

Typical Policyholders

  • Building contractors and sub-contractors
  • Civil engineering and groundworks firms
  • Plant hire businesses and self-drive hire operators
  • Trades – electricians, plumbers, joiners, roofers and more
  • Facilities, maintenance and engineering businesses

Key Risks on Site

  • Theft of tools, fuel and attachments from sites and vehicles
  • Damage to plant through collision, overturning or misuse
  • Fire, flood or storm damage to stored equipment
  • Hired-in equipment losses and ongoing hire charges
  • Project delays and extra costs due to unavailable machinery
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Why Arrange Plant & Tools Insurance with Insure24?

  • Access to specialist UK plant & contractor insurers
  • Ability to insure owned and hired-in plant under one programme
  • Tailored sum insured limits per item, per site or on a blanket basis
  • Option to combine with liability, contract works and commercial combined cover
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Customer quote icon

After thieves cleaned out our site container, Insure24 helped settle the claim quickly so we could replace our tools and keep the project on schedule.

Lee S., Groundworks Contractor

FREQUENTLY ASKED QUESTIONS

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What is Tools, Plant & Machinery Insurance?

It is insurance that covers your tools, plant and machinery against theft, loss and damage – whether you own the equipment or hire it in for specific jobs.

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What is hired-in plant insurance?

Hired-in plant insurance protects you if plant or machinery that you have hired is stolen or damaged. It can also cover the continuing hire charges that the plant hire company may charge while equipment is unavailable.

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Are my tools covered when left in a van overnight?

This depends on the policy. Some insurers exclude overnight theft from unattended vehicles or require additional security. We can help you arrange cover that reflects how and where you store your tools.

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How do I set the right sums insured for my plant and tools?

Sums insured should usually reflect the replacement-as-new cost of your equipment, plus an allowance for hired-in plant limits. We can work with you to list high-value items and agree realistic limits so you are not underinsured.

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