If you're a tradesman or someone who keeps their equipment in your vehicle, have you considered purchasing tools insurance? In van insurance coverages, it might surprise you to find that many companies do not cover your tools, or do not cover your tools at a high enough level for you to replace them if the worst happens.

For this reason, it may be a good idea to purchase additional cover for possessions inside your vehicle. To ensure proper tools coverage in van, do the following:

1. Take pictures of everything you own, particularly very expensive fixtures and other specialized tools, and keep them with your policy. This ensures that if you do have an incident, you'll know everything that needs replacing, you'll be able to prove that you had it, and the company will be more obligated to cover it.

2. Make sure you have enough cover for your tools. Sometimes your tradesman tools are worth more than your vehicle, but the policy you want limits cover at too low a rate to properly insure your things. Discuss this problem with your insurance agent, and go to a different company if you must.

3. If you have multiple vans with equipment, ask for a bulk discount. Especially for a stable company with a good overall driving record, your insurer may be happy to discount your rates to make you happy.

4. Try to stay with the same company, but if you can't get adequate cover, consider looking into using another company just to insure your tools. Later, though this separated policy may be cheaper for you than a combined one, it may be a good idea to look for a company that will cover you fully just to avoid the worry of separated insurance.

Tools insurance in van is not something to take lightly, or to take for granted. Protect your investment, and make sure you have plenty of coverage before your white vans hit the road.