GAP Insurance

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Tools in Transit Insurance


What does this policy cover?

ALA Tools in Transit Insurance covers the repair or new-for-old replacement of tools or equipment which are lost, stolen or damaged whilst being loaded into, carried by or temporarily stored in your insured vehicle.

There are four levels of cover to choose from when buying your policy: £500, £1000, £2500 or £5000.

It is important to select the correct amount that would be required to repair or replace your tools. If you underestimate the value of the equipment you will be responsible for a proportion of a claim.

From just £37.00 per year you can recover the unexpected cost of replacing expensive tools.

This product can be bought independently without the need for an ALA GAP Insurance policy.

Cover Features:

  • Up to £5000 to cover the cost of repairing or replacing stolen or damaged tools with no single item claim limit
  • Covers portable handheld or power tools used in connection with your occupation/trade
  • Excess as low as £50 per claim
  • Cover across the UK (excluding Channel Islands and Isle of Man)
  • Covers storage in vehicle overnight as long as in a locked garage, building or compound, or parked on a driveway adjacent to your main residence
  • A Rated Underwriter – UK General Insurance Limited on behalf of Great Lakes Insurance SE
  • Can be bought independently from an ALA GAP Insurance policy
  • UK based claims administrator


What is not covered?

  • Items not directly connected with trade or occupation including mobile phones, satellite navigation, laptop or computer, camera (full list available in policy schedule)
  • Theft where vehicle not secured, left unattended or items not adequately hidden from view
  • Items damaged in transit where not properly secured inside the vehicle
  • Hire or reward
  • Wear and tear, manufacturer defect or mechanical breakdown
  • Theft where no crime reference number is produced


Am I eligible for cover?

  • Your vehicle is fully insured
  • You can produce proof of ownership of tools in the event of a claim
  • You are over 18, a permanent UK resident and property is not used for hire or reward


Read more on why ALA GAP Insurance policies are better than the rest or click the green button to get a quote...

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Named Highly Approved Trader by Honest John More information on Defaqto Star Ratings

Independently reviewed as a 5 star GAP Insurance policy by Defaqto and winner of the H.A.T. award for excellent customer service as voted by honestjohn.co.uk readers.