FOR WORKING VEHICLES
FOR WORKING VEHICLES
TOOL OF TRADE INSURANCE
Working vehicles - often referred to as Tool of Trade vehicles - are essential assets for businesses across various industries. These vehicles, such as cherry pickers, cement mixers, cranes, and tipper trucks, don’t just transport people or goods; they play a hands-on role in the work itself. Whether lifting, mixing, tipping, or shredding, these vehicles perform tasks critical to a job site, creating unique insurance requirements.
Why Tool of Trade Insurance Matters
Vehicles used both on the road and as specialised work tools come with a specific set of risks that standard motor insurance may not fully address. Tool of Trade insurance is designed to offer dual coverage, safeguarding the vehicle in transit and during active work. For instance, a cement mixer may require coverage for road-related accidents as well as risks associated with mixing operations on-site.
- Comprehensive Coverage
- Customisable Policies
- Third-Party Liability Protection
- Downtime Coverage
- Expert knowledge and fast response times
WHAT WE DO
- Comprehensive Cover
- Third Party Only Cover
- Third Party, Fire and Theft (TPFT) Cover
- Laid Up (Sorn) Fire and Theft
WHO IS IT FOR
We can consider all types of Tools of Trade vehicles including but not limited to:
- Cherry Pickers vehicles
- Cement Mixers vehicles
- Fitter machinery, Plant and Forklifts vehicles
- Tipping and Toppling vehicles
- Livery/Signwritten vehicles
COVER INCLUDES
- Any Licensed Drivers - from 19 years of age
- Extended cover for all in-vehicle technology
- Extended trailer cover which includes fitted machinery, plant and forklifts
- Including “Tool of the Trade” cover
- Includes keys in the ignition to operate any working function of the vehicle (i.e. loading, lifting, carrying, unloading and dropping off)
- Includes Tipping and Toppling incidents
- Extended cover for vehicle Livery/Signwritten
- Built-in automatic bonus for good performance
- Long Term Agreements Available
- Exclusive Wordings and Quotations
- Automatic inclusion for drivers with convictions, subject to £250 excess and those returning from suspensions, subject to £500 excess
- Includes full cover whilst the vehicle or trailer is being used as a “Tool of the Trade” and requires the keys in the ignition for operation
- Includes Goods in Transit cover for Cement Mixers and Batching units and extending to incorporate Solidification of load
- Including Third Party cover for Solidification, Contamination, Spillage and Pollution, subject to £1,000 excess
WHY CITYNET FOR TOOL OF TRADE INSURANCE?
With the right Tool of Trade vehicle insurance, your client’s businesses can stay protected, minimising risk and maximising productivity across the board. Our expert account executives are on hand to guide you through each step and find an insurance quote and policy that is right for your clients’ business.
- We offer competitive insurance quotes
- Excellent service standards
- Well established relationships within the market
- An experienced and specialist team of professionals
- Wide market access
- Technology-driven policies
