Tool insurance?

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Sharpend

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I have a tool insurance i.r.o £4K but have found out today that they only pay out £1500 is tools stolen overnight from lock up/vehicle, now forgive me but that seems pants given that most are stolen over night and how much value is carried in van, 

so does anybody have a better insurance suggestion ? 

 
Can only suggest shopping around  ,    I enquired some years ago  to cover hand tools & power drills  ,  quote was £1000   PA   .   Never bothered since .     BUT I would if  the van was parked up on the street  every night .  

 
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