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Tide Logo
Tide Logo
Tide Logo

TOOL INSURANCE

Protect your kit. Get back to work faster. From £9 a month*

Don't let theft or damage halt your trade. Tide’s tools and materials insurance processes claims quickly and offers up to £20,000 in coverage, ensuring minimal downtime for your business.

Get a quote in minutes and secure your professional equipment today. 

 Get a tools insurance quote

Already a Tide member? You can get a quote directly within the Tide app under the Finance tab. For more information, contact our sales team on 02039620009.

Tide Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FRN: 1040067) *Prices are for the most basic coverage we offer. You will get your actual price when you complete a quote. Eligibility Criteria and T&Cs apply.

SMEs trust Tide

+2 million

SMEs trust Tide

Trustpilot rating

4.4/5

Trustpilot rating

UK app downloads

+3 million

UK app downloads

What is tools insurance?

Tools and Materials Insurance is a type of business insurance that covers the cost of replacing your tools in the event of theft, damage caused by fire or a road traffic accident. It’s essential for tradespeople who can't afford to halt their workday.

While many insurers reduce payouts based on the age of your equipment, Tide’s Tools and Materials policy covers your tools at purchase price with no depreciation. 

This policy excludes coverage for pre-existing damage, wear and tear, courier goods, or electronics, and will not pay out for theft from  unlocked vehicles, unsecured locations or those without visible signs of forced entry.

What does tools insurance cover?

Tools Insurance protects your gear and keeps your business ticking over. Get your payout within 1 business day so you can replace your tools quickly and stay on the job. Tide’s policy covers you for:

Tools and materials

Protection for items purchased and used for your business.

Theft and damage

Theft (including attempted), fire or collision damage.

New-for-old

Full replacement costs if your kit is beyond repair.

Electronics

One business laptop or tablet included.

Flexible storage

Tools and materials kept in your vehicle, home or on-site.

Get a tools insurance quote

Get Tools and Materials Insurance in just a few steps

Business insurance with Tide is easy.

  1. Select your policy cover(s)

  2. Tell us about your business

  3. Quote and purchase your policy

  4. Download the app to view and manage your policy

 Get a tools insurance quote

*Eligibility criteria and T&Cs apply.

Benefits of Tide business insurance

Protect your business quickly and easily – with no unnecessary questions or fuss.

Flexible

Get a quote in minutes, pay monthly and cancel your annual policy at any time.

Seamless payments

Get monthly reminders when your payments are debited from your business account, no manual setup needed.

One-stop shop

Manage your policies and documents in one place and get member support via the app. Enjoy a growing range of insurance options that scale with your business.

Get a quote

Explore our business insurance policies

Whatever your industry, we’ve got you covered. Discover our full suite of business insurance options and get a quote in minutes. For more details, check out our policy documents.

Join over 1.5 million members worldwide

What members say about Tide

Charlotte Davitt-Mills
Shotley Vineyard

"Tide works in harmony with your business. It's really user friendly and it's there alongside you kind of every step of the way, helping you grow your business."

Matt Herd
Beaucroft Watches

"Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account."

Aaron Mo
Ong Ong Buns

"With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business."

Ismail Uddin
NYAS Studio

"We were just in Portugal last week where we were having to make some payments and pay invoices, and I was just doing it from my phone on the beach...that was good."

What do I need to get a quote for tools insurance?

Getting a business insurance quote at Tide is simple – you just need some basic information about your business to get started.

Business details like name, address and type

Size of your team

Annual revenue

Your business’s financial background

Get a tools insurance quote

Learn more about business insurance

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Questions about tools and materials insurance?

Find answers to all our most frequently asked questions in our Help Centre. For more information on our insurance covers, go to our policy documents page.

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 2 million sole traders, freelancers, and limited companies worldwide.

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