Accessory Fitter Insurance

Lower, but the same in kind: something attached to a vehicle travelling at speed. Insurers will ask what you fit rather than treating all accessory work as one thing.

It is worth being specific. Anything wired into the vehicle brings the possibility of an electrical fault later, which is a different exposure from a bolt-on fitting.

Under a stock section where you hold accessories waiting to be fitted. It is portable, saleable and easy to move on, so the security around it is asked about closely and the overnight arrangement matters as much as the total value.

Yes, and it is common for towbars and cameras. Declare mobile working, because it puts you on somebody else’s property with their vehicle in pieces.

If you move or test customer vehicles, yes. Even a fitting business that works mostly on a driveway usually needs to reposition the vehicle at some point.

The part fitted, the instructions followed, torque settings where they apply and the date. It takes a minute and it is what separates a defended claim from an indefensible one.

Yes, because they go further into the vehicle and often change how it is used. Adapting a vehicle is not the same trade as bolting on a rack, and it should be described as its own activity.

Not once vehicles belonging to other people are involved. The cover exists precisely because an ordinary policy stops at your own vehicle, and that is not where this work happens.

If you have a unit, a forecourt or a workshop, it usually makes sense to bring it into one combined policy. If you work from customer sites, road risk alone may be all you need.

Yes, and there are policies written specifically for it. What matters is that the arrangement is described honestly, including any other job you hold alongside it.

Tell the insurer. It is a mid-term change rather than a problem, and a turnover that has doubled since inception is the kind of thing that gets examined after a large claim.

Only where stock in trade has been included and declared. Road risk alone covers the driving, not the value of vehicles standing on your forecourt.

Where they are kept, whether the store is locked and whether it is visible from outside. It is a condition on almost every policy in this trade.

Usually, and it is easy to exceed without noticing. Ask what the single vehicle limit is before taking in something expensive, because working on it outside that limit leaves you carrying the risk.

Often the same day, once the information is complete. The driver details are reliably the slow part, so have licence numbers, dates of birth and any convictions written down before you begin rather than chasing them afterwards.