Tools cover is an optional part of some van insurance policies that can help with repair or replacement costs if tools are stolen, damaged or lost in a covered incident. The policy may distinguish between tools owned by you and those belonging to an employer, and usually sets a maximum claim limit, with exclusions for unattended or insecure vehicles. Check whether cover applies overnight, while loading or unloading, and at different work locations, as conditions can vary. Keep receipts or other proof of ownership, and ask an FCA-authorised insurer or broker to explain any wording you are unsure about.