the van insurance company i have been with for 3.5 years has the optional extra of tool insurance,i think off hand it is 44 pound per year for 1000 pounds worth of cover

i keep thinking i should get tool insurance but i know there are alot of ins and outs and im sure the insurance company will try get out of paying up if the worst comes to the worst

who has tool insurance and do you think its worth it ?

i read a bit on the net where if its  tools in the van the insurance company will pay out at the used/second hand price

i had one of my houses broken into about 3 years ago and it was an absolute nightmare to get the insurance to pay out,it went to another sub contractor company,the only things stolen were my samsung lcd and a crappy mobile fone, the company asked me the same questions every time they foned,asked for reciepts ,fotos of the stuff in the house ect,had a real fight with them to pay up, i had given them the police incident forms i had,sent them the instruction manuals for the tv ect, made me wondered why i paid house insurance, in the end i got a voucher for currys for 549.99 for a tv that was origionally 1800 pound and an even worse mobile fone  than that had been stolen

and all that hasle for staying at my parents one random night watching x factor and celebraty jungle, missus went round in the morning,patio door burst wide open, upstairs like a jumble sale drawers tipped everywhere,2 weeks before xmas

as CW said read the small print.

On mine they stated if its not parked in a garage (not that my van fits in a garage) the maximum they would pay out would be two thirds of the tools value.