{"id":2602,"date":"2020-07-23T16:34:38","date_gmt":"2020-07-23T06:34:38","guid":{"rendered":"https:\/\/www.www.covertradie.com.au\/?page_id=2602"},"modified":"2022-07-15T14:40:51","modified_gmt":"2022-07-15T04:40:51","slug":"tools-insurance","status":"publish","type":"page","link":"https:\/\/www.covertradie.com.au\/tools-insurance\/","title":{"rendered":"Tools Insurance"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\" style=\"font-size:14px;font-style:normal;font-weight:400;text-transform:uppercase\">Tools Insurance<\/h1>\n\n\n\n<h2 class=\"gb-headline gb-headline-a4119d9c gb-headline-text\"><span class=\"ez-toc-section\" id=\"Insurance-that-actually-protects-against-lost-or-damaged-tools\"><\/span>Insurance that <strong>actually protects<\/strong> against <strong>lost <\/strong>or <strong>damaged <\/strong>tools<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Many Tradies are either under-insured or paying too much for their insurance. CoverTradie sets up your insurance properly so that you have the right cover without getting ripped off.<\/strong><\/p>\n\n\n\n<p>With the right Tools Insurance, you can easily avoid the problems that come with lost or damaged tools:<\/p>\n\n\n\n<ul><li>Loss of Income due to project delays <\/li><li>Expense of having to buy new tools again.<\/li><\/ul>\n\n\n<section class=\"gb-container gb-container-9f085864\"><div class=\"gb-inside-container\">\n\n<h2 class=\"gb-headline gb-headline-13f57567 gb-headline-text\"><span class=\"ez-toc-section\" id=\"Good-Tools-Insurance-Should-Cover-These-3-Situations\"><\/span>Good Tools Insurance Should Cover These 3 Situations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"gb-container gb-container-005a9716\"><div class=\"gb-inside-container\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-bf47355d grid-border\">\n<div class=\"gb-grid-column gb-grid-column-3cc8b735\"><div class=\"gb-container gb-container-3cc8b735\"><div class=\"gb-inside-container\">\n\n<h4 class=\"gb-headline gb-headline-411ce76d\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" width=\"1em\" height=\"1em\" aria-hidden=\"true\"><path d=\"M400 480H48c-26.51 0-48-21.49-48-48V80c0-26.51 21.49-48 48-48h352c26.51 0 48 21.49 48 48v352c0 26.51-21.49 48-48 48zm-204.686-98.059l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.248-16.379-6.249-22.628 0L184 302.745l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.25 16.379 6.25 22.628.001z\" fill=\"currentColor\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><strong>Theft from Vehicles\/Trailers<\/strong><\/span><\/h4>\n\n\n\n<p class=\"gb-headline gb-headline-ffa1921d gb-headline-text\">Get peace of mind that you & your family are well covered<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-11ffea81\"><div class=\"gb-container gb-container-11ffea81\"><div class=\"gb-inside-container\">\n\n<h4 class=\"gb-headline gb-headline-93e7dd49\"><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\">   <path d=\"M20 9v11a2 2 0 01-2 2H6a2 2 0 01-2-2V9\"><\/path>   <path d=\"M9 22V12h6v10M2 10.6L12 2l10 8.6\"><\/path> <\/svg><\/span><span class=\"gb-headline-text\"><strong>Theft from worksites or your Home etc.<\/strong><\/span><\/h4>\n\n\n\n<p class=\"gb-headline gb-headline-297a9f4b gb-headline-text\">Save money for the new ute, boat or for financial investments<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-45bb7ede\"><div class=\"gb-container gb-container-45bb7ede\"><div class=\"gb-inside-container\">\n\n<h4 class=\"gb-headline gb-headline-1c99c2d7\"><span class=\"gb-icon\"><svg aria-hidden=\"true\" role=\"img\" height=\"1em\" width=\"1em\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M323.56 51.2c-20.8 19.3-39.58 39.59-56.22 59.97C240.08 73.62 206.28 35.53 168 0 69.74 91.17 0 209.96 0 281.6 0 408.85 100.29 512 224 512s224-103.15 224-230.4c0-53.27-51.98-163.14-124.44-230.4zm-19.47 340.65C282.43 407.01 255.72 416 226.86 416 154.71 416 96 368.26 96 290.75c0-38.61 24.31-72.63 72.79-130.75 6.93 7.98 98.83 125.34 98.83 125.34l58.63-66.88c4.14 6.85 7.91 13.55 11.27 19.97 27.35 52.19 15.81 118.97-33.43 153.42z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\"><strong>Accidental loss or damage<\/strong><\/span><\/h4>\n\n\n\n<p class=\"gb-headline gb-headline-57190570 gb-headline-text\">Professional insurance work, done quick and explained in plain English<\/p>\n\n<\/div><\/div><\/div>\n<\/div>\n\n<div class=\"gb-button-wrapper gb-button-wrapper-46476499\">\n\n<a class=\"gb-button gb-button-11a67c08 gb-button-text\" href=\"https:\/\/www.covertradie.com.au\/tradesman-insurance-quote\/\">Get A Quote By Email<\/a>\n\n<\/div>\n<\/div><\/div>\n<\/div><\/section>\n\n<div class=\"gb-container gb-container-42416ee9\"><div class=\"gb-inside-container\">\n\n<p id=\"block-a23d3738-3675-49b7-a025-978dbac760ea\">Not all policies are created equal & we understand how it feels to buy confusing insurance. Will it even cover if you need to make a claim? Or, for that matter are you getting a good deal?<\/p>\n\n\n\n<p id=\"block-49ac0a47-6a27-4839-b3df-4a65633741dc\"><strong>Don&#8217;t Worry&#8230;<\/strong><\/p>\n\n\n\n<p id=\"block-73bf55a5-20c2-41c0-8964-1e876a207ce7\">At <strong>CoverTradie<\/strong>, we\u2019ve helped many people just like you with their insurance. Get peace of mind with quality insurance and focus on things that matter to you.<\/p>\n\n<\/div><\/div>\n\n<section class=\"gb-container gb-container-09496d42\"><div class=\"gb-inside-container\">\n\n<p class=\"gb-headline gb-headline-db23c25e gb-headline-text\">Getting insurance with CoverTradie is as easy as\u20261,2,3<\/p>\n\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-2a47c26e\">\n<div class=\"gb-grid-column gb-grid-column-ee029dd2\"><div class=\"gb-container gb-container-ee029dd2 shadow\"><div class=\"gb-inside-container\">\n\n<h4 class=\"gb-headline gb-headline-abd66bcc\"><span class=\"gb-icon\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"> <title>number2<\/title> <path d=\"M16 3c-7.18 0-13 5.82-13 13s5.82 13 13 13 13-5.82 13-13-5.82-13-13-13zM17.757 22.536h-2.469v-9.305c-0.901 0.841-1.964 1.463-3.188 1.867v-2.234c0.644-0.211 1.344-0.612 2.099-1.202s1.273-1.278 1.555-2.064h2.003v12.938z\"><\/path> <\/svg><\/span><span class=\"gb-headline-text\">Quick Phone Call<\/span><\/h4>\n\n\n\n<p class=\"has-text-align-center\">No Forms to Complete \u2013 We do that for you<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-837a814d\"><div class=\"gb-container gb-container-837a814d shadow\"><div class=\"gb-inside-container\">\n\n<h4 class=\"gb-headline gb-headline-2250bd22\"><span class=\"gb-icon\"><svg height=\"32\" viewBox=\"0 0 32 32\" width=\"32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m16 3c-7.18 0-13 5.82-13 13s5.82 13 13 13 13-5.82 13-13-5.82-13-13-13zm4.342 17.426v2.297h-8.656c.093-.867.374-1.688.843-2.465.468-.776 1.393-1.807 2.774-3.09 1.111-1.037 1.793-1.74 2.045-2.109.34-.51.51-1.014.51-1.512 0-.551-.147-.975-.441-1.271s-.7-.444-1.219-.444c-.512 0-.92.156-1.223.467s-.478.827-.523 1.549l-2.469-.247c.146-1.359.605-2.335 1.378-2.928s1.739-.888 2.898-.888c1.27 0 2.268.343 2.994 1.028s1.089 1.538 1.089 2.557c0 .58-.104 1.132-.312 1.656s-.537 1.074-.988 1.647c-.299.38-.839.929-1.621 1.644-.781.714-1.276 1.188-1.484 1.422s-.376.463-.505.686h4.91z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Get Your Options<\/span><\/h4>\n\n\n\n<p class=\"has-text-align-center\">We do the heavy lifting of finding the right insurance for you<\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-c0411a6b\"><div class=\"gb-container gb-container-c0411a6b shadow\"><div class=\"gb-inside-container\">\n\n<h4 class=\"gb-headline gb-headline-5c7ae770\"><span class=\"gb-icon\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"> <title>number<\/title> <path d=\"M16 3c-7.18 0-13 5.82-13 13s5.82 13 13 13 13-5.82 13-13-5.82-13-13-13zM18.995 21.357c-0.826 0.797-1.854 1.194-3.086 1.194-1.166 0-2.133-0.335-2.9-1.005-0.769-0.67-1.214-1.545-1.337-2.627l2.391-0.289c0.076 0.607 0.281 1.071 0.616 1.393 0.333 0.321 0.738 0.482 1.213 0.482 0.51 0 0.939-0.194 1.289-0.582 0.348-0.387 0.522-0.909 0.522-1.566 0-0.621-0.167-1.115-0.501-1.479-0.335-0.364-0.742-0.545-1.223-0.545-0.317 0-0.695 0.062-1.136 0.184l0.272-1.997c0.668 0.018 1.178-0.127 1.529-0.434s0.526-0.715 0.526-1.224c0-0.433-0.128-0.777-0.385-1.035-0.258-0.257-0.599-0.386-1.025-0.386-0.421 0-0.779 0.146-1.077 0.438s-0.479 0.72-0.544 1.281l-2.281-0.386c0.158-0.782 0.397-1.407 0.717-1.875s0.765-0.835 1.336-1.103 1.212-0.401 1.921-0.401c1.213 0 2.186 0.387 2.918 1.161 0.604 0.633 0.905 1.348 0.905 2.145 0 1.131-0.619 2.034-1.858 2.708 0.739 0.158 1.33 0.513 1.772 1.063 0.443 0.551 0.664 1.215 0.664 1.994 0.001 1.132-0.412 2.095-1.238 2.891z\"><\/path> <\/svg><\/span><span class=\"gb-headline-text\">Pay And You Are Done<\/span><\/h4>\n\n\n\n<p class=\"has-text-align-center\">Monthly or Annual Payment Options<\/p>\n\n<\/div><\/div><\/div>\n<\/div>\n\n<div class=\"gb-button-wrapper gb-button-wrapper-7f79fe03\">\n\n<a class=\"gb-button gb-button-61bb8eb9 gb-button-text\" href=\"tel:+611300190535\">Call 1300 190 535<\/a>\n\n<\/div>\n<\/div><\/section>\n\n<section class=\"gb-container gb-container-b460223b\"><div class=\"gb-inside-container\">\n\n<h2 class=\"gb-headline gb-headline-cc52a995\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-FAQ\"><\/span><span class=\"gb-icon\"><svg aria-hidden=\"true\" height=\"1em\" width=\"1em\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill=\"currentColor\" d=\"M576 240c0-23.63-12.95-44.04-32-55.12V32.01C544 23.26 537.02 0 512 0c-7.12 0-14.19 2.38-19.98 7.02l-85.03 68.03C364.28 109.19 310.66 128 256 128H64c-35.35 0-64 28.65-64 64v96c0 35.35 28.65 64 64 64h33.7c-1.39 10.48-2.18 21.14-2.18 32 0 39.77 9.26 77.35 25.56 110.94 5.19 10.69 16.52 17.06 28.4 17.06h74.28c26.05 0 41.69-29.84 25.9-50.56-16.4-21.52-26.15-48.36-26.15-77.44 0-11.11 1.62-21.79 4.41-32H256c54.66 0 108.28 18.81 150.98 52.95l85.03 68.03a32.023 32.023 0 0 0 19.98 7.02c24.92 0 32-22.78 32-32V295.13C563.05 284.04 576 263.63 576 240zm-96 141.42l-33.05-26.44C392.95 311.78 325.12 288 256 288v-96c69.12 0 136.95-23.78 190.95-66.98L480 98.58v282.84z\"><\/path><\/svg><\/span><span class=\"gb-headline-text\">Frequently Asked Questions (FAQ)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"rm-faq-9ef44e7b88910b9b00dfec97c6131006\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What-is-Tools-Insurance\"><\/span>What is Tools Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Tradies call it Tools Insurance, in the insurance world, we call it General Property Cover. It\u2019s the same thing. It\u2019s a cover for your portable or valuable items that you usually carry around with You in the course of your Business. Its an accidental loss or damage cover. So if your tools are stolen from a van or you accidentally dropped your Milwaukee Framer from height, you are covered.<\/p>\n<p>At a very high level, there are two parts to this cover:<br \/> &#8211; <strong>Unspecified Items Cover:<\/strong> Most people start with this part, they estimate the total value of their portable tools and equipment to cover say $10,000 and get cover for that. Key to note, for any individual item the maximum you can usually claim is $2,500.<br \/> &#8211; <strong>Specified Items Cover:<\/strong> If you have piece of equipment that is worth more than $2,500, you need to specify that item on your insurance.<\/p>\n<p><strong>CAUTION: There is a basic version of this cover also available that often causes a great deal of pain to Tradies. At CoverTradie we don\u2019t recommend that cover because it amounts to almost money wastage.<\/strong><\/p>\n<p>Please feel free to ask us any question and we\u2019d be delighted to answer them in detail.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"rm-faq-c4e48b399dab5d309a82f354cc569315\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Is-Tools-Insurance-worth-it\"><\/span>Is Tools Insurance worth it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Absolutely, clever tradies look after their tools but when bad luck strikes, there is tools insurance. A Tradie faces many risks with regards to their tools. Firstly, the risk of theft and stolen goods, from vehicles, worksites etc. Secondly, the accidental damage, heard of a situation where different trades working on a worksite together and someone drives the skid-steer over your kit that was put down only momentarily.<\/p>\n<p>A simple check on police data highlights, theft from vehicles are pretty common, often at places where you wouldn\u2019t expect. A common one is theft in the parking lot of a pub or hotel where you have gone to have a meal after work.<\/p>\n<p>We might be biased as we work in the insurance industry but chats around worksites or summer BBQs might also tell the story on how frequent these losses are that make Tool Insurance a no brainer for any serious tradie.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"rm-faq-e8778d4a0d3012ef0c621c6307670d84\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Is-there-any-special-Tools-Insurance-for-Apprentices\"><\/span>Is there any special Tools Insurance for Apprentices?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Apprentices are often looking for the cheapest insurance available out there and that\u2019s understandable. You are just starting out in life, money can be tight etc. There is no special insurance for Apprentices, but there is special service for them from CoverTradie.<\/p>\n<p>Like you, we were new at some stage in our life and there have been people who have helped us along the way. We\u2019d be more than happy to help you find the right coverage at the right price. Give us a call to discuss.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"rm-faq-118b67b5658508cc5ce916379203ef69\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How-much-does-Tool-Insurance-cost\"><\/span>How much does Tool Insurance cost?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>In addition to learning about the coverage of your insurance policy, knowing the cost of Tool Insurance is an important part in making the decision whether purchasing that policy makes financial sense or not.<\/p>\n<p>Prices start as low as $30 per month for a startup tradie. A lot of factors like the location, your occupation, your turnover etc. determine the final price you end up paying. For an exact quote that is relevant to your situation, give us a call and we\u2019d be more than happy to help you get a Tools Insurance policy that is very affordable.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"rm-faq-4008c00222acf659b5b04bb3c2eae9f8\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Does-my-policy-cover-Tools-in-van\"><\/span>Does my policy cover Tools in van?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, the Tools Insurance we organise for our customer does provide cover for Tools in your van or ute. From a risk management perspective, we recommend you park your van our ute inside a locked garage at night because it reduces the risk of theft from vehicle at night.<\/p>\n<p>Whilst you will be covered if something bad does happen, it is important to note that customers with claims do tend to lose their no claims bonus and often the price of same cover at renewal goes up due to that. Hence why getting the right insurance and also managing your risks that prevent claims results in the best long term outcomes for the customers.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/section>","protected":false},"excerpt":{"rendered":"<p>Tools Insurance that protects without drilling a hole in your pocket.<\/p>\n","protected":false},"author":1,"featured_media":3003,"parent":0,"menu_order":28,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.covertradie.com.au\/wp-json\/wp\/v2\/pages\/2602"}],"collection":[{"href":"https:\/\/www.covertradie.com.au\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.covertradie.com.au\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.covertradie.com.au\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.covertradie.com.au\/wp-json\/wp\/v2\/comments?post=2602"}],"version-history":[{"count":5,"href":"https:\/\/www.covertradie.com.au\/wp-json\/wp\/v2\/pages\/2602\/revisions"}],"predecessor-version":[{"id":6429,"href":"https:\/\/www.covertradie.com.au\/wp-json\/wp\/v2\/pages\/2602\/revisions\/6429"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.covertradie.com.au\/wp-json\/wp\/v2\/media\/3003"}],"wp:attachment":[{"href":"https:\/\/www.covertradie.com.au\/wp-json\/wp\/v2\/media?parent=2602"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}