Theft & Shoplifting / Unauthorised Removal Insurance

Protect your plant, tools and hire equipment against theft, shoplifting and unauthorised removal

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We compare quotes from leading plant & tool hire insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for Theft & Unauthorised Removal in Plant Hire Businesses

Theft is one of the most significant and persistent risks facing plant hire yards, tool shops and equipment rental businesses across the UK. High-value tools and portable machinery are attractive targets for organised criminals, opportunistic shoplifters and unauthorised users.

Losses don’t just occur overnight. Many theft claims arise during trading hours through distraction theft, shoplifting, false hires, internal theft or unauthorised removal of equipment by customers, subcontractors or even employees.

Insure24 provides specialist Theft & Shoplifting / Unauthorised Removal Insurance designed specifically for plant hire, tool hire and construction equipment businesses.

What Theft & Unauthorised Removal Insurance Covers

  • Theft of plant, tools and hire equipment
  • Shoplifting from tool shops and counters
  • Unauthorised removal from yards or depots
  • Theft during business hours
  • Overnight theft from secured premises
  • Theft following forcible and violent entry
  • Internal theft (subject to policy terms)
  • Losses from false or fraudulent hires
  • Replacement or indemnity value of stock
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Why Theft Insurance Is Critical for Plant & Tool Hire

Plant hire and tool shops face a unique theft profile. Equipment is valuable, portable and often displayed openly to customers. Even a single theft can represent thousands of pounds in losses and weeks of lost hire income.

  • High resale value of tools and small plant
  • Organised gangs targeting hire depots
  • Distraction theft at trade counters
  • Out-of-hours yard break-ins
  • Unauthorised removal by trusted parties

Who Needs Theft & Shoplifting Insurance?

  • Plant hire yards and depots
  • Tool hire shops and trade counters
  • Construction equipment rental businesses
  • Builders merchants with hire divisions
  • Event & temporary equipment hire firms
  • Multi-location hire businesses

Common Theft & Unauthorised Removal Scenarios

  • Tools concealed and removed during busy periods
  • Plant taken from yards using cloned keys
  • Fraudulent hire using false identification
  • Employees removing stock without authority
  • Theft during loading or collection
  • Break-ins through perimeter fencing

Why Choose Insure24

  • Specialists in plant & hire business insurance
  • Policies tailored to real theft risks
  • Advice on security & insurer requirements
  • Flexible limits for high-value stock
  • UK-based claims support
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FREQUENTLY ASKED QUESTIONS

+-What does theft and shoplifting insurance cover?

It covers loss of plant, tools and equipment due to theft, shoplifting or unauthorised removal, subject to policy conditions and security requirements.

+-Is theft during opening hours covered?

Yes. Many policies include cover for theft occurring during business hours, including shoplifting and distraction theft.

+-Does this cover internal theft by employees?

Some policies can include employee theft, often subject to additional terms, limits or dishonesty extensions.

+-Are security measures required?

Yes. Insurers usually require CCTV, alarms, secure fencing, locked storage and controlled access to qualify for theft cover.

+-How much does theft insurance cost?

Cost depends on stock values, premises security, claims history and business size. Insure24 compares specialist insurers to secure competitive pricing.

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