Tool Insurance, in with car / van or with Liability Policy?

[Olz]

Im looking round for public liability insurance, and also am changing my car policy to include business use.

Im after your thought / experiences on insuring my tools,

I can either include them on the public liability policy, or include them on the car insurance policy.

The pros and cons that I can think of are;

Car Policy

Pro'sIf there nicked from the car, i only have to claim on the car insurance, not car for damage to car and PLB for tools.

Cons
If there nicked from anywhere else there not covered, (although the home garage would be on the house insurance)

PLI

Pro's
Covered for theft from more places

Cons
If there nicked from the car, i'd have to claim on the car policy as well

Any tips / advice

Cheers Oli

 

[grumpygrouter]

DOn't know the answer to this Oli. Best person to speak to maybe would be your broker.

 

[davy_G]

You seem to know the pros and cons pretty well already.

Me, i didnt insure my tools at all, just regular PL and commercial van insurance. Didnt insure them to keep the premiums down and i figured they wouldnt pay up anyway if the tools where nicked unless I has a details and agreed list of all the tools with photos etc.

 

[salmonfisher]

car insurance probable wont cover your tools standard car insurance will only cover £100 worth of accessories
House insurance will only cover diy tools in your garage not tools used for business use and thats if you have taken out additional cover
my tools are covered within my liability insurance and wouldn't be covered unless your van is locked
most people chose the cheapest insurance around
but does it cover what you want?