Vehicle Repair Insurance
Specialist cover designed to protect businesses carrying out vehicle repairs, servicing and maintenance work.
JMG Motor Trade helps repair garages and vehicle repair businesses protect themselves against the risks associated with working on customer vehicles, handling specialist equipment and operating from busy workshop premises. We can arrange cover tailored to the needs of your business.
What Is Vehicle Repair & Car Garage Insurance?
Vehicle repair insurance is a form of motor trade insurance for businesses that repair, service and maintain vehicles, including independent garages, MOT stations, bodyshops and accident repair centres.
These businesses face significant daily risk. Staff work on customer vehicles using specialist tools and equipment, often from premises holding substantial stock and machinery. A single incident can result in costly repairs, liability claims or serious disruption to operations.
Many repair businesses choose cover that combines several forms of protection under one policy. Depending on your requirements, this can include road risks insurance, liability cover, protection for tools and equipment, and cover for your premises. The right policy helps protect your business, your reputation and the vehicles in your care while allowing you to focus on delivering quality repairs.
What Cover Can We Provide?
Every vehicle repair business is different, from the vehicles you work on to the size of your premises and the number of staff on the tools. That’s why there are several types of cover available, each designed to protect a different part of your operation. We take the time to understand how your business runs day to day, so we can talk you through your options clearly and help you choose the cover that actually fits.
Road risks insurance
Road risks insurance allows you and your employees to legally drive customer vehicles in connection with your business activities.
This can include collecting vehicles, returning vehicles to customers, moving vehicles between locations or carrying out road tests following repairs. If your business regularly drives customer vehicles, road risks insurance is often an essential part of your cover.
Motor trade liability insurance
Motor trade liability insurance helps protect your business against claims from customers, visitors and members of the public.
If someone suffers an injury on your premises or claims their vehicle or property was damaged as a result of your work, liability insurance can help protect your business against the cost of a claim.
Tools and equipment cover
Most repair businesses rely on specialist tools and diagnostic equipment every day. Tools and equipment cover can help protect these items if they are stolen, damaged or lost.
This cover helps minimise disruption and can reduce the financial impact of replacing expensive equipment.
Buildings cover
If you operate from dedicated premises, buildings cover can help protect your workshop, garage or business premises against insured risks such as fire, theft, flood and accidental damage.
Repairing or rebuilding a damaged property can be costly, making this an important consideration for many vehicle repair businesses.
Motor trade combined insurance
Many established vehicle repair businesses choose motor trade combined insurance for broader protection. This policy can combine road risks insurance, liability cover, buildings insurance, tools cover and other business protections under a single solution.
Motor trade combined insurance is often suitable for businesses that want protection against both on-road and off-road risks.
How Much Does Vehicle Repair Insurance Cost?
The cost of vehicle repair insurance depends on several factors, including the type of work your business carries out, the level of cover required and the risks associated with your operation.
Type and level of cover
The amount of cover you choose will influence your premium. Policies with wider protection typically cost more than basic cover but can provide greater financial security for your business.
Business activities
The type of repair work you undertake affects the risks insurers need to consider. General servicing, diagnostics, accident repairs and commercial vehicle repairs can all influence the premium offered.
Premises and security
Insurers will often assess the security of your premises, tools and equipment. Features such as alarms, CCTV systems and secure storage may help reduce risk.
Claims history
Your previous claims record can affect the cost of your insurance. Businesses with a clean claims history may benefit from lower premiums than those with multiple previous claims.
Employees and drivers
The number of employees driving vehicles and the experience of those drivers may influence the premium offered by insurers.
Vehicles in your care
Businesses that regularly work on high-value vehicles or keep multiple customer vehicles on-site may face higher insurance costs due to the increased level of exposure.
Who Needs Vehicle Repair Insurance?
Any business involved in repairing, servicing or maintaining vehicles should consider vehicle repair insurance. The right cover can help protect against accidental damage, liability claims, theft, fire and the risks associated with working on vehicles belonging to customers.
Vehicle repair insurance can be particularly beneficial for:
- Independent garages carrying out servicing, maintenance and repair work.
- MOT stations performing vehicle testing and related repairs.
- Bodyshops and accident repair centres repairing damaged vehicles and bodywork.
- Mobile mechanics providing vehicle repairs at customer locations.
- Commercial vehicle repairers servicing vans, trucks and fleet vehicles.
- Tyre fitters carrying out tyre replacement, balancing and repair services.
- Vehicle recovery operators transporting damaged and broken-down vehicles for repair.
Vehicle Repair Insurance FAQ
Choosing the right policy can be confusing, particularly if you’re new to the motor trade. Below are answers to some of the most common questions we receive from traders.
Businesses that repair, service or maintain customer vehicles can benefit from motor trade insurance. The level of cover required will depend on the services provided and the risks associated with the business.
Road risks insurance can cover vehicles being driven in connection with your business activities. Additional cover may also be available for customer vehicles while they are in your custody or control, depending on the policy arranged.
Yes. Tools and equipment cover can help protect essential workshop equipment against theft, loss and accidental damage.
Mobile mechanics face many of the same risks as workshop-based repair businesses, including liability claims, damage to customer vehicles and theft of tools. Suitable insurance can help protect against these risks.
Motor trade combined insurance brings several types of cover together under a single policy. It is often chosen by established repair businesses that require protection for premises, tools, liabilities and road risks.
Get A Vehicle Repair Insurance Quote
Every vehicle repair business has different insurance requirements. The cover needed by an independent garage may differ from that required by a bodyshop, MOT station or commercial vehicle repairer.
At JMG Motor Trade, we work with specialist insurers to help arrange cover for vehicle repair businesses across the UK. Our team can help you explore suitable cover options and find protection tailored to the way your business operates.
Call JMG Motor Trade on 01323 446 485 or visit our contact page to speak with a specialist adviser.
