Admiral Business Insurance has teamed up with Cowens to provide an exclusive insurance solution specifically tailored for tradespeople who depend on their tools and materials to make a living. This comprehensive protection enables tradespeople whether you’re a carpenter, electrician, hairdresser or plumber to focus on their work without worrying about unexpected setbacks.
Cowens On The Go provides overnight cover for tools & materials in an unattended vehicle, in temporary storage locations or even at home giving tradespeople peace of mind and confidence that their tools and materials are protected when many others are uninsured.
Cowens On The Go,
Protecting the assets you rely on the most
Admiral Business Insurance has partnered with Cowens to provide an exclusive insurance solution tailored for tradespeople, mobile service providers, and business owners who depend on their tools and materials to earn a living.
From photographers to contractors, hairdressers and cleaners – if your business tools travel with you and are often left in unattended vehicles or temporary storage, this policy is designed with your risks in mind.
Unattended overnight? You’re still covered.
Why choose Cowens On The Go?
Designed to cover the tools of your trade
Unlike standard tools policies, this cover reflects the realities of trades and mobile work. Whether you run a single van or manage a fleet, Cowens On The Go protects your tools and materials – even when left in unattended vehicles or temporary storage locations.
Confidence when tools are left behind
We know your livelihood depends on your equipment. That’s why this policy includes theft cover for tools and materials left unattended overnight, in unattended vehicles or in temporary storage locations.
Built around your needs
This policy is flexible, practical, and easy to understand – without the onerous conditions many insurers impose.
What’s covered in this insurance?
This policy is designed to safeguard your tools and materials against everyday events such as road traffic accidents, fire, theft, or attempted theft. Whether they’re kept in vehicles, on the move, or in temporary storage locations, you’re covered.
Unspecified Vehicle Basis
- Suitable for cars, single vans or fleets – no need to provide registration numbers in advance.
Employee-Owned Tools
- Cover includes both company-owned and employee-owned tools.
Less Restrictive Security Requirements
- Cover applies as long as doors/windows are locked, keys are removed, and there are visible signs of forced entry.
- Vehicles must not be left unattended for more than 24 consecutive hours.
Temporary Storage Locations
- Tools and materials are covered in temporary storage – including private dwellings.
Materials in Transit
- Protection for materials and stock temporarily stored in vehicles and designated for business activities.
New for Old Basis of Settlement
- Unlike many standard policies, if tools can’t be repaired they will be replaced at their original purchase price (with receipt or invoice evidence).
Policy details
- Overnight cover in vehicles included
- Aggregate annual limit applies (see policy wording)
- £100 excess on every claim
- Authorised and regulated by the Financial Conduct Authority (Reg. No. 309587)
- Binding authority operated by Able Insurance Services Ltd.
Peace of mind, wherever you go
With Cowens On The Go, you can focus on your work without worrying about what happens to your tools, stock, or materials when you’re not around. Flexible, practical, and designed for modern mobile businesses – only available through Cowens.