With the tool/ insurance job,there are a lot of lads using the words "think,should,and reasonable"
Facts are,if you do not have the specifics written on your insurance,contract of employment,or additional permissions,plus,none of the last page exclusions apply....then you are not certain of cover.
Hope,expect and wish,do not help,when £13,500 worth of kit goes...?
As an extra,i would say that well over half the folk,who obtain insurance over the internet,are not covered to the extent they believe....some not at all.
Some of my lads pals,have had to re-think their insurance,as it did not apply driving to work...not for work,but to work?