Tools & Materials Insurance from Admiral Business covers the cost to repair or replace your tools and materials if they’re damaged, stolen or lost due to specific insured events. That includes:

• Theft or attempted theft from your vehicle or storage location
• Damage caused by fire
• Damage following a road traffic accident

If your tools can’t be repaired, we’ll cover the original purchase price (with proof of purchase) up to your selected cover limit.

To make a claim on your Tools & Materials Insurance, you’ll need to provide:

• A crime reference number if your claim involves theft or malicious damage
• Proof of purchase for the stolen or damaged items (receipts, invoices, or hire agreements)
• Evidence of forced or violent entry (e.g. photos or police report)
• Information about the incident, including when and where it happened
• Access to your vehicle or storage location if an inspection is required

If you’re unsure what to submit, our claims team will guide you through it.

We cover most hand tools, power tools, plant equipment, and consumables used for business purposes. This includes items such as drills, saws, screwdrivers, toolboxes, and machinery—as long as they’re purchased by you or your business.

We also cover 1 laptop or tablet per insured event, if used for your work. See below for more on that specifically.

Yes—we’ll cover one laptop or tablet per insured event, as long as it’s used in connection with your business, and you provide proof of purchase.
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However, we don’t cover:

• Mobile phones
• Gaming consoles
• Cameras or data storage devices
• Personal electronics not used for work​

There are a few important exclusions.

We don’t cover:

• Theft with no signs of forced or violent entry
• Tools left in unlocked vehicles or unsecured locations
• Wear and tear, mould, vermin or rust
• Items without a proof of purchase
• Tools used under a contract of hire or reward
• Electronics not used for business (e.g. phones, games consoles)
• Damage from improper packing or carrying tools in an unsafe way​

Always check the full policy wording to make sure you know what is and isn’t included in your cover.