Dont know how relevant this is to a pesty Vin,but I had all relevant insurances with Zurich (Im a builder),part of this was covering my tools ,equipment etc.My van got broke into one day ,over£3000 of tools were nicked,when I rang insurance to put claim in and was told "Its not like house insurance,ie new for old,you get tha value of the tools second hand,minus voluntary excess and compulsory excess" (some of thetools were less than a month old) in the end they offered me about £300,the new planer alone cost more than that a few weeks previous....Be careful what you sign up for.....mine met th