Tyre Fitters Insurance
What is tyre and exhaust fitter insurance?
If you offer tyre-fitting services, it’s worthwhile considering a specialist policy to protect your business. Tyre fitters insurance can cover you, your staff, your customers, and your equipment against a wide range of risks you may face while working.
What’s included in your policy will depend on how you operate. We’re here to help you understand your specific requirements and find a policy that’s suitable for your business.
What insurance is required for tyre fitters?
Motor trade road risks insurance is the legal requirement for tyre fitters and exhaust fitters. It allows you to drive customer vehicles for your work, for instance, moving a car into your workshop or taking it for a short test drive.
Road risks insurance works like private car insurance and can be arranged at three levels:
- Third party only (TPO): The most basic level of cover required by law. This covers injury or damage caused to other people, their vehicles, or property, but it won’t cover damage to vehicles in your care or your own losses.
- Third party, fire and theft (TPFT): Includes TPO cover, but also protects customer vehicles in your possession if they’re stolen or damaged by fire.
- Comprehensive: Provides the highest level of protection, including TPFT cover plus accidental damage to customer vehicles in your possession.
If you operate from premises or employ staff, it’s also worth considering additional protection:
- Employers’ liability insurance: A legal requirement if you employ anyone. This can cover claims from staff who are injured or become ill while working for you.
- Public liability insurance: Can protect you if a customer or member of the public makes a claim for injury or property damage connected to your business.
- Business premises cover: Can provide protection for your building, equipment, and stock against risks such as fire, flood, or theft.
There is also a range of optional covers available for you to choose, including:
- Legal expenses: Can help cover the cost of legal representation for disputes, such as contract issues or employee matters.
- Tools in transit cover: Can protect your tools while they’re being transported between jobs or stored in your vehicle.
- Defective workmanship cover: Can provide protection if a claim arises because of defective work carried out by you or your employees.
- Engineering inspection: Can ensure lifting equipment, compressors, or other specialist machinery is regularly checked and meets safety standards.
- Business interruption cover: Can offer financial support if you’re unable to trade because of an insured event, such as fire or flood.
- Cover for young motor traders: Can help younger business owners and employees access the cover they require.
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.
Who can be covered?
We work with a panel of UK insurers to arrange cover for a wide range of tyre fitting businesses, including:
- Part-time and full-time tyre fitters
- Mobile tyre fitting services
- Home-based businesses
- Garages and business premises
- Young motor traders
- Motor traders with previous convictions
Even if your circumstances are more complicated, such as being new to the trade or having a conviction, we may still be able to help you find a suitable policy.
Do I need tyre fitting insurance?
If tyre-fitting is part of your services, road risks insurance is a legal requirement. This policy ensures you’re covered to drive customer vehicles, for example moving them into your workshop or carrying out a test drive. Without this cover, you won’t be legally covered to drive a customer’s vehicle on the road.
However, road risks insurance alone won’t cover many of the other risks your business faces. That’s why having a tyre fitters insurance policy in place is a sensible consideration.
Tyre fitters insurance can provide added protection for your tools and equipment, your premises, your staff, and members of the public. For instance, if your tools are stolen, if a customer injures themselves while visiting your store, or if damage was caused during a job, it can help cover the costs and minimise disruption for your business.
Why choose ChoiceQuote for tyre fitters insurance?
We’ve been helping motor trade professionals arrange insurance since 1995, and our dedicated team of specialists can assist you with finding appropriate cover.
When you choose ChoiceQuote, you can expect:
- Multiple levels of indemnity to suit your needs
- Flexible repayment and instalment options
- Access to online motor trade quotes
- Council-compliant documentation
- Dedicated UK-based call centre support
Get a tyre fitters and exhaust fitters insurance quote
Getting a quote with ChoiceQuote is simple. You can call our team or get a quote online, and you could be covered the very same day.
Here’s how it works:
- Share details about your business and the type of cover you require.
- We’ll search our panel of insurers to find a range of policies for you.
- We’ll help you compare your options and choose a suitable policy.
You can begin your quote online today or call us on 01625 885046 to speak with one of our advisers.
FAQs
Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
How much does tyre fitters insurance cost?
There isn’t one set price for tyre fitters insurance. How much you pay depends on several factors, including:
- The level of cover you require and any policy add-ons you select
- The value of tools and equipment being insured
- Where your business is located
- The age of the driver
- Your claims history
- The security measures in place at your business
How to lower the cost of tyre fitters insurance
There are several ways to reduce the cost of tyre fitters insurance, including:
- Paying annually rather than monthly
- Building your no-claims bonus
- Increasing your voluntary excess
- Having additional security measures in place
- Limiting the number of expensive tools you carry
What insurance do you need for mobile tyre fitting?
If your business provides mobile tyre fitting, road risks insurance is the legal minimum. This allows you to drive customer vehicles as part of your work, such as taking them for a short test drive after fitting new tyres. Without it, you won’t be legally protected to drive customer vehicles on the road.
But road risks insurance won’t protect every part of your business, and that’s why tyre fitters insurance is a sensible consideration. A tailored tyre fitters policy can combine road risks with other protections, including tools in transit, public liability, and business interruption cover if you’re unable to trade.
