Breakers Yard Insurance

A defined process, bunded storage for drained fluids, and records. It is the single strongest signal that the yard is run well, and it directly reduces the pollution exposure.

To the limit stated, and sudden events are usually treated differently from gradual seepage. Remediation costs bear no relation to the value of the vehicles, so the limit matters.

Many yards allow it and insurers would rather they did not walk among stacked vehicles. A counter arrangement with staff retrieving parts is the safer and better-rated approach.

Under the stock section, and it can be substantial once a yard has been running a while. Racked parts under cover rate better than the same parts in the open.

They are efficient and they concentrate the fire risk. Insurers ask about stack heights and the gaps between them, because a fire in a stack cannot be reached.

It brings damaged vehicles with compromised fuel systems onto the site, which is worth mentioning. It also raises questions about how quickly they are depolluted after arrival.

Yes. Material handlers, presses and cutting equipment are valuable and central to the operation, and a breakdown stops the yard as effectively as a fire would.

Once you handle vehicles belonging to somebody else, yes. A private or ordinary business policy is not written for vehicles in your custody, and the gap only becomes visible at claim time.

Road risk if the work happens at the customer or on the road. Combined if you have premises worth protecting, stock on site or tools you could not replace quickly.

They can, where they are declared and meet the age and licence terms. Insurers expect to be told about anyone who drives, including people helping out at weekends.

Trade policies generally set one, and it is often higher than on a private policy. Younger drivers can usually be added, but the terms and the excess will reflect it.

That depends on whether you have taken premises cover. Road risk is about driving; vehicles standing on site need the combined side of a policy to be properly protected.

Almost always. Insurers set out where keys must be kept and how, and a claim following keys left in or near a vehicle is the one most likely to be refused.

They are usually covered within the trade policy rather than separately, but confirm it. Their use is also governed by rules of its own that sit alongside the insurance.

Usually a day or less once the information is complete. Having the driver details, the turnover figure and the claims history ready before you start is what turns a week of messages into a single conversation with a broker.