It can, where the policy includes suitable property cover. Road-risk insurance by itself is principally concerned with vehicles and driving, so tools and diagnostic equipment commonly require a combined motor-trade or separate business section.
The schedule should identify where property is insured and on what basis. Equipment permanently at a workshop may be treated differently from scan tools, laptops or hand tools taken to customer premises.
Important limits and conditions
Check the total sum insured, single-item limits, accidental-damage basis, theft protections and whether equipment is covered in unattended vehicles. Some policies require tools to be hidden in a locked load area, removed overnight or protected by specified alarms.
Use replacement values
Diagnostic subscriptions, calibration targets, battery equipment and specialist tooling can cost more to replace than their written-down accounting value. Include accessories, software-related hardware and newly acquired items.
Cover for theft or accidental damage does not normally pay for routine breakdown, wear, calibration or obsolescence unless a specific extension says otherwise.
Focused commercial insurance guidance
Tools need their own values, locations and security details
Tools and diagnostic equipment may be insurable under a combined motor trade or property section, but they are not automatically included merely because road risk cover is in place. Fixed workshop machinery, portable hand tools, laptops, scan tools and equipment carried in vans can be subject to different limits and conditions.
The schedule should reflect replacement cost, including software interfaces, cables and specialist attachments. Equipment kept away from the premises or left in unattended vehicles may require specific cover and security. Leased or financed equipment should also be identified.
- Separate fixed and portable equipment
- Use realistic new replacement values
- Declare tools carried in vehicles
- Check overnight and unattended security
- List leased, hired or employee-owned items
The direct answer is therefore policy-specific: the relevant property section, limit, territory and security conditions all need to be confirmed.