Tyre fitter insurance that keeps your business rolling
Tyre fitter insurance from a panel of trusted UK insurers
Insure your tyre fitter business with zero hassle
As a tyre fitter, your work involves handling customer vehicles, specialised tools, and potentially hazardous equipment, making tailored insurance essential.
In partnership with some of the leading UK insurers, we’ll not only get you a better tyre fitter insurance deal with the best cover available, we will work hard to keep you as a customer year after year.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a tyre fitter.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
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.
What is tyre fitter insurance?
Tyre fitter insurance is a motor trade policy that protects your tools, equipment, and liabilities, whether you operate from a garage or offer mobile services.
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: Meets legal requirements for liability, vehicle use, and workplace safety, reducing the risk of fines.
- Financial protection: Covers incidents like damage to customer vehicles, theft of tools, or public liability claims.
- Peace of mind: Lets you provide services without worrying about unexpected accidents or equipment loss.
Types of cover
Road risk insurance
Road risk insurance is a fundamental component of motor trade cover, including tyre fitters. 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 risk 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: Provides income support during downtime.
- Premises insurance: Protects business premises against risks like fire, theft, and damage.
- Material damage: Protection for vehicles in your care.
- Employer’s liability: Mandatory for businesses with employees, covering workplace injuries or illnesses.
- Public liability: Covers claims for injury or damage during tyre fitting.
- Tools and equipment: Cover for machinery like jacks, compressors, and balancers.
- Extra drivers: Cover for employees who may be driving customers’ cars.
How much does tyre fitter insurance cost?
Typically, tyre fitter 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
Mobile services or fitting heavy-duty tyres may result in higher premiums vs operating from a fixed location.
Location and security
Secure storage for equipment and vehicles can lower costs while working in high-risk areas may increase them.
Vehicles covered
Costs depend on whether you work with standard vehicles, classic cars or larger ones like trucks and buses.
Driver details
Driving history, experience, and the number of drivers covered under the policy all influence costs.
Policy customisation
Adding protection for tools, equipment, or public liability can increase costs but ensures adequate cover.
Tyre fitter insurance frequently asked questions
What is tyre fitter insurance and do I need it?
Tyre fitter insurance is a specialist motor trade policy for anyone who works with vehicles for profit — whether you're buying and selling cars, repairing, valeting, recovering, or testing vehicles. If you carry out any motor trade activity, even part-time, you're legally required to have at least third-party road risks cover. Standard personal car insurance won't cover you for business use.
What's the difference between road risks and combined motor trade insurance?
Road risks insurance covers you to drive vehicles on public roads as part of your motor trade activities — whether they're your own vehicles or customers'. Combined motor trade insurance goes further, adding protection for your premises, tools, equipment, stock, public liability, and employers' liability. If you work from premises or have employees, a combined policy is usually the better choice.
Can I get tyre fitter insurance if I only trade part-time?
Yes — we arrange tyrer fitter insurance for part-time traders as well as full-time businesses. You'll still need to demonstrate that you're running a genuine motor trade operation, even if it's on a small scale. Visit our part-time motor trade insurance page for more details.
How do I prove I'm a legitimate motor trader?
Insurers require evidence that you run a genuine motor trade business. This can include invoices or receipts from vehicles bought or sold, online or print advertisements, tax records, or business bank account details. The more evidence you have, the smoother the process. Our team can guide you through what's needed when you get in touch.
Am I covered to drive customers' vehicles to fit tyres or test them afterwards?
Yes — a tyre fitter motor trade policy includes road risk cover, allowing you to move customers' vehicles on public roads as part of your work. This is a legal requirement if you need to reposition vehicles, carry out test drives after fitting, or collect and deliver vehicles for customers.
Who actually underwrites my policy?
We're a broker, which means we arrange cover on your behalf with a handpicked panel of trusted insurers. You'll see exactly who's underwriting your policy before you commit to buying.
Why can I trust insurd?
We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.
You can verify our status directly on the FCA register.
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