TOOLS & EQUIPMENT COVER
Don’t Let a Stolen Toolbox Stop Your Hustle.
Your tools are your income. Get specialised All-Risks cover for power tools, hand tools and equipment — at home, in the van, or on site.
Cover for theft from van, home, or job site
Accidental damage to tools and equipment
New-for-old replacement on most items
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Explore more covers →WHY IT MATTERS?
No tools, no work, no income.
For tradesmen, technicians and contractors, your tools aren’t a luxury — they’re the difference between a paying day and a wasted one. Don’t leave them uninsured in your bakkie tonight.
Compare & Save
Competitive quotes from multiple trusted insurers in minutes. Pay the right price, not more.
Site & In-Transit Cover
Tools are protected at home, in the van between jobs, and on the active job site — 24/7.
New-for-Old
Lost or stolen tools are replaced with the equivalent new model — not depreciated payouts.
Accidental Damage
Drop a grinder off a scaffold? Crack the casing on a saw? You may be covered for the repair or replacement.
Multi-Item Discount
Insure your full toolbox or van inventory together for a meaningful discount over single-item cover.
Trust Partners
We only work with insurers who pay claims fast — because a week without your tools is a week without income.
COVER THAT KEEPS YOU EARNING
Your Tools Are Your Income.
We connect you to insurers who understand that one stolen drill driver doesn’t just cost you a tool — it costs you tomorrow’s job. Replace fast, get back to work.
All-Risks cover — theft, accidental damage and loss
Cover at home, in transit, on site, and in storage
New-for-old replacement on most specified items
Multi-item discount for full toolbox cover
Sole proprietors and small companies welcome
TRUSTED BUSINESS PARTNER NETWORK
Security You Can Count On—Powered by Industry Experts.
We work only with reliable insurance providers who understand that a tradesman’s tools are the engine of their business.
- Multiple competing quotes — you choose the best
- No hidden fees or confusing fine print
- Fast approvals — get covered quickly
- Dedicated trades-and-equipment specialists on hand
Power Tools . Hand Tools . Equipment
HOW IT WORKS?
What’s may be included in your quotes?
Power Tools
Drills, grinders, saws, nailers — covered against theft, loss and accidental damage.
Hand Tools
Wrenches, hammers, levels, measuring equipment — specified individually or as a set.
From Job to Job
Protection while tools are in your vehicle moving between jobs and storage.
Inactive Tools
Cover while tools are in active use on a job site, including overnight storage on long projects.
Kindly note that this will depend on your insurance provider and your personal details.
REAL USE CASES
Tradesmen love it.
Insurers trust it.
South Africans love insure-now
“Quick and easy. I needed a letter of good standing and liability proof for a site visit by Monday; these guys got me sorted in minutes.”
Timothy M.
“I finally found a policy that understands the difference between a general contractor and a specialized electrician. The ‘Tender Assist’ feature helped me land my first municipal contract.”
Darren V
“No fluff, just the facts. I liked that I could compare the actual benefits like surgery and routine care side-by-side without being pressured into a specific plan.”
Donnie V
“I didn’t realize I could get 15% off by putting both my cats on one plan. The process was seamless, and the insurer called me within 10 minutes to finalize the details.”
Sizwe M
“I was overwhelmed trying to look at five different websites. This tool let me see the price difference between basic accident and full cover for my two fur babies in seconds.”
Leanne G
“The process was seamless. I filled in the form, and a qualified consultant called me within 10 minutes to explain how I could save by moving my three vans onto a single fleet plan.”
Lebron C.
“I didn’t realize my insurance could help me with debt collection. Using the ‘Biz Assist’ feature through the partner I found here has been a game-changer for my small courier company.”
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Mbali S. (Suzuki S-Presso):
“The best thing about using a comparison platform is that they know exactly what Uber and Bolt need. I got my quotes, picked the best one, and had my insurance certificate in my inbox… approved the same day.”
Thabo M. (Suzuki Ertiga)
“I had a small accident with a passenger in the car. My personal insurance rejected the claim because I was ‘working.’ … I used Insure-Now to find a proper commercial policy. Now I have the right papers for Uber and I know my claims will actually get paid.”
Malcom N. (Toyota Quest)
“I was with one of the ‘big’ insurers on a private plan. Not only was I not covered for Bolt, but I was paying way too much. I used Insure-Now, and within minutes I had three quotes. I picked the cheapest one… That’s R520 extra I take home every month now.”
Kabelo M. (VW Polo Driver)
“I bundled my car and home cover after using this site. The consultant called me within minutes, and I got a great discount for combining my policies… Highly recommended!”
Brandon L.
QUESTIONS
Frequently Asked
Can’t find what you’re looking for? Message us directly on FB messenger.
What counts as 'tools and equipment' for insurance purposes?
Anything you use to perform your trade — power tools, hand tools, ladders, generators, testing equipment, even specialist software-loaded devices like diagnostic scanners.
How much does Tools & Equipment cover usually cost?
Roughly 5-10% of the insured value annually. So R50k of tools typically costs R200-400 per month. Multi-item discounts can bring this down meaningfully.
Am I covered if my tools are stolen from my van?
Yes — provided the van was locked at the time. Most policies exclude theft from unlocked or unattended unsecured vehicles.
What if I drop or damage a tool myself?
That’s accidental damage. Most All-Risks tool policies cover this, but check the specific wording around wear-and-tear vs. accidental incident.
How quickly will I be covered after I accept a quote?
Most partners issue cover the same day. Specifying high-value items may take an extra 24 hours for the schedule to be drawn up.
Compare tools & equipment cover today
One form. Multiple quotes from licensed commercial insurers. You choose.