Car Repair Insurance
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Why Compare Car Repair Insurance Quotes With SimplyQuote?
Running a car repair business or garage can be very complex. Not only do you need the technical expertise to diagnose and fix a car, but you also need to manage costs, track finances and perfect your customer service skills.
The last thing you need to worry about is finding a motor trade insurance policy!
But, SimplyQuote simplifies the process of finding and comparing car repair insurance quotes from leading insurance providers in the UK. Simply provide us with some information on your repair business and yourself, and we’ll provide you with dozens of quotes to compare.
What Do You Need To Get A Quote?
To start comparing quotes, provide SimplyQuote with the following:
- Personal information: Your name and contact details
- Workshop details: Including location, size and number of staff
- Type of repair work you specialise in: Like engine repairs, electrical failures, or bodywork
- Estimated annual turnover: Your profits influence your premiums
- Claims history
Why Do You Need Car Repair Insurance?
Car repair insurance, also called “service and garage repair insurance”, is a type of motor trade insurance that will financially protect your company if you accidentally damage your customers’ cars, if any of your equipment is stolen, or if a customer sues you.
Although motor trade insurance is not a legal requirement, car repair work can be risky, and it’s best you’re financially and legally protected.
Car repair insurance may also include employers’ liability insurance (depending on your policy), which is legally required if you employ more than one staff member.
Looking for the cheap Car Repair Insurance? Get a quote today!
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What Does Car Repair Insurance Cover?
Car repair insurance policies differ, but they usually cover the following:
- Buildings and content insurance: This insurance will cover damage to your workshop or garage, as well as the equipment and furniture within it. Your property and belongings will be covered in the event of a fire, flooding, theft or any other insured events.
- Employers’ liability: You are protected if an employee sues you for being injured at work and you have to pay compensation. It is a legal requirement in the UK to have employers’ liability insurance if you employ more than one member of staff (volunteers and part-time staff included).
- Public liability: If a member of the public is injured at your workshop and sues you, you will have financial protection.
- Road risk cover: Protects you when you have to drive your client’s vehicle, e.g. if you’re testing the repairs you did before returning the car to your client.
- Normal wear and tear: Any normal wear and tear of your tools and equipment.
- Intentional damage: If you maliciously damage your tools, you won’t receive an insurance payout to cover repair costs.
- Unnamed drivers: If anyone drives a customer’s vehicle that is not listed on the policy.
What’s not covered
What Are The Levels Of Car Repair Insurance?
Just like with standard car insurance, there are three levels of cover for road risk insurance which forms a part of car repair insurance policies:
- Third-party only (TPO): This is the minimum legal requirement in the UK if you wish to drive any car on public roads. It will cover you if you cause damage or injury to a third party or their property.
- Third-party, fire and theft (TPFT): This cover is the same as TPO, but will also protect you if any vehicles are damaged in a fire or stolen.
- Comprehensive cover: You enjoy the same cover as TPFT, but medical and legal expenses will also be covered. Should you cause an accident, your insurance will also pay out for the repair costs of the vehicle you’re driving.
What Add-Ons Are Available For Car Repair Insurance?
Depending on how comprehensive your insurance policy is, you may want to consider adding the following extras:
- Legal expenses cover: Covers you financially for any legal fees or compensation if you’re involved in a legal dispute.
- Loss of tools cover: Covers you if any of your tools are stolen from your business vehicle or anywhere outside of the workshop.
- Engineering inspection cover: Provides you access to specialist engineers who will inspect and service your tools to make sure they’re working as they should be.
- Service indemnity: Protects you if you accidentally installed faulty parts in a customer’s car.
- Business interruption cover: If there is a fire or flood at your premises, your utilities and employee salaries will be covered.
- Money/keys cover: Will replace any money or keys stolen from your repair garage.
- Personal accident cover: Provides compensation for medical bills or loss of income if you or one of your named drivers are injured in an accident.
- Goods in transit: Will cover the loss or damage of any tools or equipment, e.g. if you’re driving to provide roadside assistance to a client.
How Much Does Car Repair Insurance Cost In The UK?
The price of car repair insurance depends on the insurance company and other factors. It can range from as little as £500 to over £2,000 per year, depending on the size of your operations and other factors.
Which factors influence car repair insurance prices?
The following factors influence the price of car repair insurance premiums:
- Location of workshop or garage
- Number of employees
- Age and experience of the mechanics
- Driving experience (for road risk insurance)
- The security at the premises
- Claims history
- Policy add-ons
How Can You Get Cheaper Car Repair Insurance Rates?
Fortunately, there are some easy ways to reduce your repair garage insurance:
- Reduce the number of named employees: Employees younger than 25 will increase your premiums.
- Improve security: Install an alarm system, CCTV cameras, safe boxes and security locks.
- Work on less expensive vehicles: Working on classic cars or sports cars will bump up your insurance costs.
- Employ low-risk staff: Consider their claims histories and previous driving convictions.
- Build up your no-claims bonus: If you don’t make any claims your premiums will drop.
- Shop around: Make sure to compare quotes from different insurance providers with SimplyQuote to get the best deal.
- Pay annually: By paying your insurance upfront for the year, you won’t have to pay interest on monthly instalments.
- Increase your excess: By increasing your voluntary excess, you show that you’re less likely to make a claim. Just make sure that you can afford the excess when the time comes!
How To Compare Car Repair Insurance Quotes With SimplyQuote?
Comparing car repair insurance quotes with SimplyQuote is easy:
- Fill in our online form: Provide us with info on yourself and your repair business operations.
- Select add-ons: Decide how comprehensive you want your cover to be.
- Receive quotes: Compare insurance quotes from leading insurance providers.
- Save money: Get the best deal and start saving today.
Frequently Asked Questions
Car repair insurance is a specific type of insurance designed to protect motor trade businesses involved with servicing and repairing vehicles.
It safeguards the business owner from any financial losses due to accidental damage to customer vehicles, theft, legal disputes or any other damage caused by insured events.
Yes, car repair insurance is definitely worth it. Running a car repair company can be high risk, from accidentally damaging a customer’s car to facing legal battles if a repaired car breaks again.
Employers’ liability insurance and road risk insurance are also a legal requirement when employing staff or driving customer vehicles, making this type of motor trade insurance a must.
Yes! There is no one-size-fits-all policy for mechanics, which is why you can select your level of road risk insurance cover as well as add on policy extras to get you the cover you need.