cover details...
This provides a summary of the significant features, benefits and limitations of the cover provided by the Zurich Personal Tools policy. If you want to see the full terms, conditions or exclusions of the cover please download the policy document.
type of insurance and cover
This covers loss or damage to powered and non-powered hand held tools of all types belonging to, leased to, on hire purchase, loan or hired to you or you employees.
The duration of this contract is 12 months. Completion of a proposal form is not required. Note that cover is available to customers based in the UK only.
what is insured
‘All risks’ cover for loss of or damage to personal tools belonging to you occurring at any situation in the European union including transit.
Where an item is lost or damaged beyond economical repair we will pay to replace it with a new one.
what is not insured
We will not pay for:
- damage to any tool caused by its own breakdown
- losses only discovered as a result of a routine inventory.
special security exclusions
Personal Tools
We will not pay for personal tools whilst unattended unless they are contained in:
a) a vehicle provided that the doors of the vehicle are locked and all its windows and other openings are fully closed and properly fastened or,
b) a locked building or lock storage unit.
cancellation right
If you decide you do not want to accept the policy, or any subsequent renewal of it, please tell us within 14 days of receiving the policy or renewal notice. We may, at out discretion, charge you for the time you have been on cover, including insurance premium tax.
claims
To notify a claim please call 08453 002 055, 24 hours a day, 365 days a year.
download our full cover details - 
pdf document 66kb
