Tool theft continues to surge across the UK, and drainage and ventilation maintenance contractors are among those most affected. Every week, we hear from contractors whose vans have been broken into, leaving them facing costly losses and downtime.
The problem isn’t just the theft itself – it’s the insurance cover. Far too many policies fail to provide meaningful protection, leaving contractors exposed when they need support the most.
The hidden exclusions
Around 90% of policies covering tools, plant, and equipment contain exclusions that brokers often fail to highlight. Two of the most common are:
- Unattended vehicle exclusions: If your van is broken into while left unattended – whether parked outside your home, on site, or even while you grab a quick lunch – chances are you’re not protected.
- Overnight storage conditions: Many insurers require vans to be kept in a locked building or compound overnight. If you don’t have access to such a facility and your van is broken into, once again, you may not be covered.
These exclusions mean that even diligent contractors can find themselves uninsured when theft occurs.
Fit-for-purpose protection
At Howden, we’ve helped drainage and ventilation maintenance contractors secure cover that actually works for their trade. Our policies are designed with contractors in mind, offering:
- Increased cover
- Fewer restrictions
- Competitive premiums – often lower than policies riddled with red flags
Let’s be honest: doing your drainage or ventilation contractor insurance properly might cost a little more than a generic trades policy. But being wrongfully insured or overlooking those trades insurance exclusion caveats? That’s not worth the paper it’s written on.
Protect what earns your living
Your tools are the backbone of your business. Without them, jobs grind to a halt and income is lost. Ensuring they’re properly protected isn’t just about peace of mind – it’s about safeguarding your livelihood.
For honest advice from someone who understands your trade, get in touch with the Howden team. We’ll provide a free policy review or tailored quote to make sure your tools — and your business — are properly protected.
Call us on 01732 386731 / 07849 643017 or email drainage@howdeninsurance.co.uk today.