Insurance Coverage
Every rental on Handi is protected by comprehensive insurance coverage. Rent with confidence knowing you're protected.
What's Covered
All tool rentals include comprehensive insurance at no extra cost, protecting both renters and tool owners.
Accidental Damage
Up to tool value
Coverage for unintentional damage to rented tools during normal use.
Includes:
- ✓Dropped equipment
- ✓Water damage during use
- ✓Electrical failures
- ✓Mechanical breakdowns
Theft & Loss
Up to £5,000 per item
Protection if tools are stolen or lost during the rental period.
Includes:
- ✓Theft from secured location
- ✓Theft from vehicle
- ✓Lost equipment
- ✓Stolen accessories
Third-Party Liability
Up to £5,000,000
Coverage for injury or property damage caused by the rented tool.
Includes:
- ✓Injury to another person
- ✓Property damage
- ✓Legal costs
- ✓Medical expenses
Personal Accident
Up to £10,000
Coverage for injuries sustained while using rented tools.
Includes:
- ✓Medical expenses
- ✓Temporary disability
- ✓Permanent disability
- ✓Accidental death benefit
Excess Fees & Deductibles
While insurance is included, renters may be responsible for an excess fee (deductible) when making a claim:
Tool Value £0-500
£50
Excess fee
Tool Value £501-2000
£100
Excess fee
Tool Value £2000+
£200
Excess fee
Tool owners can opt for premium coverage with no excess fees for an additional 2% of rental value.
What's Not Covered
The following situations are not covered by our insurance policy:
How to File a Claim
If an incident occurs, follow these steps to file an insurance claim:
Report Immediately
Contact us within 24 hours of the incident. For theft, also file a police report.
Provide Details
Complete the claims form with photos, description, and supporting documents.
Assessment
Our team reviews your claim and may request additional information if needed.
Resolution
Claims are typically processed within 5-10 business days. We'll notify you of the outcome.
Need to File a Claim?
Contact our insurance team immediately. The sooner you report, the faster we can process your claim.
Emergency Incidents
For serious injuries or immediate dangers, always call 999 first. Then contact our 24/7 emergency line at 0800 123 4567