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Insurance! Chain your tool box up??? Posted by MICHAEL HILL on December 10, 2006, 12:25 am Hi, i no that insurance has already been coverd but i was wondering if any one else has to chain there tool box to the wall?? i no every garage in our village has to do this and there with axa and we are with NIG!! but we got screwed by our broker when we got broken in to and only got paid out 9k but we'v no moved and the want me to put a chain over my 3500 pound toolbox!! idont think so!! i no livlyhood ins dont make you do that but i was wondering if any 1 else got any sujestions as to who is a good company to insure with??? plz help!! Thanx mike!!  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by andy evans on December 10, 2006, 8:42 am, in reply to "Insurance! Chain your tool box up???" Hello Mike, What is the point of your post? Andy E  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by Phil Dunmore on December 10, 2006, 9:09 am, in reply to "Insurance! Chain your tool box up???" Would you want take the liability on £3500 on wheels and easily saleable down the pub?  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by NigelBennett on December 10, 2006, 9:51 am, in reply to "Re: Insurance! Chain your tool box up???" I have fabricated two "D" brackets one bolted to the floor immediately under my bow the other one bolted with security screws,to the under side of my box,and a bloddy big chain & padlock. Its not that visible & better still the access is very poor for any one attempting to remove /cut the chain,our assessor was more them happy with this arrangement.  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by Derek Warwick on December 10, 2006, 11:56 am, in reply to "Re: Insurance! Chain your tool box up???" Hi all, I can't get insurance cover for my tools whether they're in the van or in the garage, so everything is secured at night with HUGE chain and top of the range padlock, garage and house alarmed and van alarmed! What else can you do? Here's hoping everything's still there in the morning. I hate these scum that nick a blokes tools, taking food out of their and their kids mouths. A mans livelihood should be sacred! Regards, Derek  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by Dave Hill on December 10, 2006, 12:15 pm, in reply to "Re: Insurance! Chain your tool box up???" All of our guy’s toolboxes are bolted underneath as already mentioned & all of the cutting gear (oxy acetylene etc) is locked in a separate area of the workshop. I know of a couple of places that had to construct a cage to lock em in. A lorry garage I know of has a lorry type container that has all the expensive equipment is housed in permanently. They have plenty of room mind you. At the end of the day, if the buggers want your tackle they are going to get it. It’s not unreasonable that insurance companies demand that you try to make life difficult for the shites. I hate talking about this stuff as it often tempts fate. I have already mentioned the Taxman this morning so I am getting a little twitchy now GULP! Cheers Dave Hill  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by Nigel Yardley on December 10, 2006, 1:14 pm, in reply to "Re: Insurance! Chain your tool box up???" All our tool boxes are moved to a secure room at night, brick walls, concrete ceiling, steel doors. all cutting gear and diagnostic kit kept in there at night.... just to add to this, one of our key holders lost a set of workshop keys recently... cost £500 in locks and padlocks to resecure the place  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by A Brooks on December 11, 2006, 11:13 am, in reply to "Insurance! Chain your tool box up???" I am also with NIG last year they wanted me to build a strong room for my toolbox but after some talks with the assesor we agreed on some posts two side posts perminantly fixed & the front one removeable.I had mine made but did look at the car parking posts.  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by paul goswell on December 11, 2006, 9:08 pm, in reply to "Re: Insurance! Chain your tool box up???" we switched from nig to axa this year we was heavily under insured with nig but we were not to know as no one from nig came out to have a look around, the guy from axa did and it was a bit of an eye opener, one good tip buy yourself a disposable camera and take a picture of every draw of your tool box because when it disapears would you remember every tool youve got i dont think so, and yes our premium went up but at least i can sleep at night and not worry  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by Steve Nicholas on December 11, 2006, 9:55 pm, in reply to "Re: Insurance! Chain your tool box up???" Has anyone taken out the SnapOn Livelihood tools insurance? I thought about it but still haven't done so. Steve  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by michael hill on December 12, 2006, 8:07 pm, in reply to "Re: Insurance! Chain your tool box up???" steve, we got the info fron livlyhood ins and it looks good as thay dont impose that you chain anything up!! and when you take the cover im sure it also includes tools in transit up to a value which im not sure of! but none of our brokers can beat the price of ins!! ill let you no when an if i take it out! mike!  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by Phil Dunmore on December 12, 2006, 9:32 pm, in reply to "Re: Insurance! Chain your tool box up???" "but none of our brokers can beat the price of ins!! Thats because Snap on can replace their own tools at cost, insurance company has to cover the retail value....with Snap On the difference will be very significant. Answer, buy more reasonably priced tools.  Post a Response ( * ) Required

Re: Insurance! Chain your tool box up??? Posted by BarryRudd on January 15, 2007, 2:54 pm, in reply to "Re: Insurance! Chain your tool box up???" I've never paid a penny for tools insurance in 24 years mainly because of restrictions on tools in vans. I would be really sick if I got robbed tomorrow but have saved 24 years premiums--I now just unload the scanners/computers at night. I once had the misfortune to meet someone who broke into garages and the way they manage to sleep at night (in between thieving) is by believing the damage they do "is all covered by insurance anyway"!! Barry  Post a Response ( * ) Required

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