Service and Repair Insurance

Redoing the work is your cost. Damage or injury caused by the failure may fall under products or public liability, which is why those sections matter in a workshop that touches brakes and steering.

Yes, and they need thinking about. Lending a vehicle to a customer means somebody outside the business driving your car, so the driving conditions and licence checks both matter.

Under a stock section where you take one. A workshop carrying a reasonable parts inventory should declare it rather than assuming the contents section stretches.

As equipment, yes, though single item limits can bite. Diagnostic kit and four-post ramps are worth listing individually rather than relying on a general total.

A secure building, a locked key cabinet out of sight, and vehicles inside overnight where possible. Keys are the single most examined detail after a workshop theft.

It depends on the consequences of getting it wrong. Performance and tuning work attracts more questions than routine servicing, and marque specialists handle higher values.

Yes, that is what the road risk section is for. The vehicle value limit still applies, so a high-value car in for work may need mentioning before it goes out.

Because it insures your vehicle rather than vehicles in your charge. The moment the business turns on handling somebody else’s car, a trade policy is the arrangement that responds.

The premises, the contents, stock held for sale and the liabilities that come with having people on site. It is one policy rather than several, with one renewal date.

Normally, as soon as you employ anybody, with some exceptions for certain family-only businesses. It usually sits inside a combined policy rather than being bought separately.

It is one of the main rating factors, because it describes the scale of the business better than the number of vehicles does. Give a realistic figure; it is reviewed at renewal.

Some policies limit how many may be kept outside, or require them behind a barrier. It is worth checking, because it is a condition rather than a preference.

In a locked cabinet away from the vehicles, and out of sight from any window. Key security is where trade theft claims are usually decided.

Policies generally set a maximum value for any single vehicle driven. A high-value car arriving for work can sit above it, so check the figure before the keys change hands.

Usually within a day, and often the same afternoon. Delays almost always come from incomplete driver details rather than from the underwriting itself, so gather licence numbers and dates of birth before you start.