JMG MOTOR TRADE

MOT Station Insurance

Specialist motor trade insurance for MOT stations and testing centres, protecting the vehicles, premises, equipment and liabilities involved in your business.

Specialist Insurance For MOT Stations

Running an MOT station involves much more than testing vehicles.

Your business may be responsible for customer vehicles, specialist testing equipment, employees, workshop tools and commercial premises.

JMG Motor Trade can help arrange insurance for independent MOT stations, garages offering MOT testing and larger service and repair businesses.

MOT Stations Offering Repairs And Servicing

Many MOT stations also carry out mechanical repairs, servicing, tyre fitting or other motor trade work.

Where your business carries out a wider range of activities, motor trade combined insurance may provide a more comprehensive solution.

The aim is to insure the business as it actually operates rather than treating MOT testing as an isolated activity.

Cover For Customer Vehicles

Customer vehicles are central to the day-to-day operation of an MOT station.

Your insurance needs may change depending on whether vehicles are:

being driven

moved around the premises

stored

tested

repaired

left in your care

Our team can help you identify the cover most appropriate for your business.

What Insurance Does An MOT Station Need?

The cover required will depend on how your business operates.

A policy may include:

Road Risk Insurance

If you or your employees need to drive customer vehicles as part of the business, road risk insurance may form an important part of your cover.

Public Liability Insurance

Helps protect your business if a customer or member of the public is injured or their property is damaged as a result of your business activities.

Employers' Liability Insurance

If you employ MOT testers, mechanics, administrators or other staff, employers’ liability insurance may be required.

Premises Cover

Your workshop, garage or MOT station may need protection for buildings, fixtures, contents and business equipment.

Tools And Machinery

MOT testing equipment, diagnostic tools and workshop machinery can be costly to repair or replace.

Business Interruption

Certain policies may also provide protection where an insured event prevents the business from operating normally.

Stock And Contents

Parts, computers, furniture and other business contents may also require protection.

Who Can We Help?

We can help arrange cover for:

Independent MOT stations

MOT testing centres

Service and repair garages

Garages offering MOT testing

MOT stations offering tyre fitting

Multi-bay workshops

Small independent garages

Established motor trade businesses

MOT Station FAQ

Many MOT stations need road risk insurance if employees drive customer vehicles as part of the business. This can include moving vehicles around the premises, carrying out road tests or transporting vehicles in connection with repairs and servicing.

Cover may be available for customer vehicles while they are in your custody or control, depending on the policy arranged. The level of protection required will often depend on whether vehicles are being tested, repaired, stored or moved as part of your business activities.

Yes. MOT testing equipment, diagnostic machines, garage tools and workshop machinery can often be included within a policy. Cover can help protect against the financial impact of theft, damage or certain insured events.

If your business employs staff, employers' liability insurance is usually a legal requirement. This can include MOT testers, mechanics, apprentices, office staff and other employees working within the business.

The cost of MOT station insurance varies depending on factors such as the size of your business, the services you provide, the value of your equipment, the number of employees, your claims history and the cover required. A tailored quotation can help ensure the policy reflects your individual business needs.

Insurance Built Around Your MOT Business

Every MOT station is different.

The number of employees, type of premises, services offered and value of your tools and equipment can all affect the insurance you need.

Our motor trade specialists can help assess those risks and explore suitable cover options.

Get An MOT Station Insurance Quote

Talk to JMG Motor Trade about specialist insurance for your MOT station or testing centre.