Service and repair garage insurance
Get service and repair garage insurance with zero hassle
In partnership with some of the leading UK insurers, we’ll not only get you a better service and repair garage insurance deal with the best cover available, we will work hard to keep you as a customer year after year.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable motor trade insurance prices.
With over 50 years of experience providing top-quality insurance for the motor trade, you can be sure we’ve got you covered.
24/7 claims service
We’re here for you round the clock
when you need us most.
Fairer prices for all
We only provide cover for good
drivers, so you’ll get a better deal.
Carbon offsetting
We’ll plant trees to clean up after
your motor trade work. Seriously!
What is service and repair garage insurance?
Running a service and repair garage involves managing customer vehicles, operating tools and equipment, and maintaining premises, making comprehensive insurance essential.
Service and repair garage insurance is a motor trade policy that is tailored to cover the unique risks faced by garages, offering protection for your vehicles, tools, and premises.
Motor trade insurance is not just a legal requirement for many businesses but also a crucial risk management tool. Without proper insurance, a business could face significant financial losses from accidents, theft, or damages. Here are some key reasons why cover insurance is vital:
- Legal compliance: Covers risks like customer vehicle damage and workplace safety to meet legal standards and avoid fines.
- Financial protection: Safeguards your business against losses from accidents, theft, or liability claims involving vehicles or tools.
- Peace of mind: Ensures you can focus on running your garage with confidence, knowing you’re protected from major risks.
Types of cover
Road risks insurance
Road risk insurance is a fundamental component of motor trade cover, including service and repair garages. It allows traders to legally drive vehicles on public roads for purposes such as test drives, deliveries, or customer collections. There are three levels of road risks cover:
- Third-party only (TPO): Covers damage to other people’s property or injury to others. It’s the minimum legal requirement.
- Third-party, fire and theft (TPFT): Includes TPO cover and adds protection against fire damage and theft of vehicles.
- Comprehensive: Offers the highest level of protection, covering third-party risks, fire, theft, and damage to the trader’s vehicles.
Combined insurance
Combined motor trade insurance provides broader cover, encompassing road risks and additional protections such as:
- Business interruption: Covers lost income and additional expenses if your business is unable to operate due to an insured event.
- Premises insurance: Cover for damage or theft at your garage.
- Material damage: Protects vehicles and stock stored on-site.
- Employer’s liability: Required cover for workplace injuries or illnesses.
- Public liability: Covers legal claims for injury or property damage.
- Tools and equipment: Safeguards your essential machinery and tools.
- Extra drivers: Cover for employees who may be driving customers’ cars.
How much does service and repair garage insurance cost?
Typically, service and repair garage insurance premiums can vary, influenced by the cover level and specific details of your business.
Key factors affecting how much motor trade insurance costs:
Type of cover
Is the level of cover selected third-party only (TPO), third-party, fire and theft (TPFT) or comprehensive.
Nature of business
The complexity of services, such as bodywork or diagnostics, can influence costs. Offering MOTs or working on high-value cars can also impact.
Location and security
Urban locations may attract higher premiums, but secure premises with CCTV and alarms can reduce risks.
Vehicles covered
Premiums will depend on the types of vehicles serviced, such as standard, electric, or luxury cars.
Driver details
Employees test-driving vehicles will impact costs, with driving records and experience being key considerations.
Policy customisation
Adding cover for tools, premises, and liabilities ensures tailored protection but may affect overall costs.
Get a quote or advice
Please call us on 0345 222 6318 to get more information or to discuss your motor trade requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.