Tyre fitter insurance
Insure your tyre fitter business with zero hassle
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.
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 tyre fitter insurance?
As a tyre fitter, your work involves handling customer vehicles, specialised tools, and potentially hazardous equipment, making tailored insurance essential.
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 risks 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 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: 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 compared to 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.
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.