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Motor Trade Road Risks, Courier Insurance, Commercial Vehicle:

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What is service and repair or MOT garage insurance?

To test, service and repair vehicles, you need insurance to cover customer’s vehicles, your premises, machinery and tools.

Most service and repair garages require traders combined insurance. This packages together road risks insurance and cover for premises and other risks in one policy.

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Road risks insurance covers you to drive customer vehicles, and other vehicles in connection with your business (e.g. breakdown recovery trucks). You are covered for the trade value of vehicles on a third-party, third-party fire and theft, or comprehensive basis.

Traders combined insurance brings together covers for everything else you need. This includes business premises, tools, equipment, money kept on-site, public and employers’ liability, product liability, and more. You can also get specialist cover for loss of your MOT licence.

How much does garage insurance cost?

Road risks only insurance starts from as little as £8.73 a week. However, you are likely to need the extra covers that a traders combined policy can offer to cover your garage.

There are lots of factors affecting the cost of your policy, including:

  • Business age
  • Business location
  • The services your garage provides
  • Any existing no-claims bonus, and much more.

ChoiceQuote works with you to make sure you have the garage insurance you need. Every business is different. We’ll find out what your garage does, so we know the cover you require. We’ll then search our panel of insurers for the best deal we can find for you. Call us for your own, personal quote.

Does garage insurance cover contents too?

Yes, if you take out a traders combined policy, you can get cover for tools stored on-site, machinery, and money kept on your premises.

A separate engineering inspection policy can be purchased to ensure the safety of your equipment for workers, too.

Traders combined policies can also cover a stock of vehicles, in case you buy or sell vehicles as a part of your business. If you keep vehicles on-site, speak to us about this cover.

Whatever items or machinery you keep in your garage premises, let us know and we’ll see if they can be covered for you.

Business interruption insurance

There are all kinds of things that can go wrong when you own a garage. The last thing you want is to suffer a catastrophic fire and be out of business for a while, for example.

This is where business interruption insurance can help your garage. Helping you to recover lost income while you are unable to trade, you can gain reassurance that you won’t lose out financially should insured risks beyond your control stop your business from operating normally.

Benefits of garage insurance

You can get all the following as part of a garage insurance policy:

  • Cover for driving and testing customer vehicles
  • Buildings cover for business premises
  • Tools on-site and portable tools cover
  • Equipment and money cover
  • Public and employers’ liability insurance
  • Management liability insurance
  • Product liability insurance
  • Engineering inspection cover
  • Mobile mechanics and recovery operators covered

Why choose us for car garage insurance?

  • Repayment plans available
  • Friendly, UK-based customer service
  • Claims service available 24 hours a day, 7 days a week throughout the year
  • Cover for drivers with convictions or claims considered
  • Younger motor traders in service and repair roles considered

ChoiceQuote offers garage insurance from a range of leading providers. We have been helping garages like yours to get the right motor trade insurance for many years. This means we understand your business and what you do, so your insurance is tailored for your individual needs.

As a Feefo Platinum Service Award winner, ChoiceQuote has shown time and again that we are one of the leading independent insurance brokers in the UK. Our specialist experience and expert team are here for you every step of the way.

You can rely on us to offer the garage or MOT station insurance you need.

Get your quick quote and start saving now

  • Traders Combined Insurance

    Protects the premises of your motor trade business, including essential assets such as vehicles and machinery

    Read more
  • Part Time Traders Insurance

    For those buying and selling or repairing vehicles on a part-time basis

    Read more

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