Halina Shaber

And now, you'll get a fast-upfront payment of up to £1,500 (after a few checks) to help you replace your essential tools or business equipment if they're stolen or damaged, with Tools Essentials.

Tools and Business Equipment cover

With this you're covered if they're damaged or stolen from:

Policy limits and excesses apply.

With the Overnight Tools optional add-on (for an extra premium)

You're covered for theft of tools when they're locked in your vehicle overnight that's parked on your drive, the street or if you're working away.

Available on new policies only. Tools removed when the vehicle is not being used for business purposes for more than five consecutive days. Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, and handheld survey equipment. Cover limits and variable claim excesses apply.

And you get Tools Essentials with both

To help you replace your essential tools or equipment quickly, if they're stolen or damaged, so you can get back to work. You contact us as soon as you can between 8am and 6pm, Monday to Friday (excluding Bank Holiday) and after a few checks, we transfer up to £1,500 to you, within 24 hours.

Claims and policy limits apply. Crime reference or proof of damage and proof of ownership needed.

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Mortgage life insurance policy / mortgage title insurance/ Home Loan Protection Plan (HLPP) is a policy that covers the borrower against the non-payment of EMI in case of death of the borrower.