Car Detailing Insurance
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Why Compare Car Detailing Insurance Quotes With SimplyQuote?
If you’re looking for cheaper insurance policies for your car detailing business, then you need SimplyQuote on your side.
We know just how frustrating it can be to compare dozens of insurance quotes from various UK insurers. But, great news! SimplyQuote makes this task a breeze.
Effortlessly find a cheaper motor trade insurance deal in a matter of minutes and start reaping mega cost savings like never before.
Do car detailing insurance the right way: the SimplyQuote way.
What Do You Need To Get A Quote?
Before you receive a car detailing (or car valeting) insurance quote from us, we’ll need the following information:
- Personal details such as your name, surname, and UK address.
- Business details such as company registration information (sole proprietor, partnership), physical address, and contact details.
- Employee information – including all part-time and casual workers.
- Previous insurance claims history.
Why Do You Need Car Detailing Insurance?
You need car detailing or valeting insurance if you run an auto detailing business, even if it’s your sideline hustle on weekends.
On top of that, all companies need to make smart choices especially when it comes to finances.
Choosing the right motor trade insurance policy is no different.
Car detailing involves more than just a quick wipe and polish. Not having insurance cover in place could lead to regret if there’s a mishap. Imagine if an employee accidentally cracks your client’s windscreen or messes harsh chemicals over their interior seats. Without car valeting insurance, you (the business owner) are liable for all repair and legal expenses!
This is why you need car detailing insurance.
Compare numerous car detailing insurance quotes from top-class UK insurance providers with SimplyQuote today. Get the best car valeting insurance deal in just a few clicks.
Prioritise your business’s financial well-being – and your peace of mind – by comparing quotes the easy way!
Without the correct cover, your business could face high costs to replace or repair stock or damage to your business premises. Your business may also be liable to meet expensive court fees and compensation payouts.
Looking for the cheap Car Detailing Insurance? Get a quote today!
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What Does Car Detailing Insurance Cover?
Car detailing insurance includes various add-ons so you can customise a bespoke package of insurance to meet your business’s needs.
As a type of motor trade insurance policy tailored to car detailing businesses, you’ll want to cherry-pick from the usual motor trade insurance options and add protection against the threats that you as a car detailer typically face.
While many insurance features are optional, road risk cover and employers’ liability cover are legal necessities for most motor trade businesses. Let’s take a closer look:
Road risk cover
Road risk cover is a legal requirement if you’re driving vehicles that don’t belong to you.
It covers you for driving customer cars, even if you’re only moving the vehicle from outside your business premises into your detailing shop (and vice versa).
The levels of road risk cover mirror the options you’ll recognise from both personal and standard business car insurance policies, namely third-party only, third-party fire and theft, and comprehensive.
Liability insurance cover
Liability insurance for car detailers is often included in your standard car detailing insurance policy.
- Public liability insurance covers your legal fees if you are taken to court by a member of the public. This may be because someone has injured themselves at your business premises or you have damaged their vehicle whilst in your care. With public liability insurance, your insurance provider covers compensation claims and costs; without it, you are liable for all legal expenses.
- Employers’ liability insurance is a must if you employ staff, whether they’re full-time, part-time or casual workers. It protects your business if one of your employees suffers an injury on your business premises or falls ill due to the nature of their work. If they take you to court, employer liability insurance is really handy as your insurer will pay the compensation.
- Personal accident insurance works similarly to employers’ liability cover but with the added benefit of covering anyone you have already insured for off-site injuries.
Without this policy in place, you can face fines of up to £2,500 per day.
Here are a few scenarios where each liability policy can be used:
- Public liability: A customer’s car was scratched when an employee used the wrong washcloths or sponges on the vehicle’s exterior.
- Employers liability: An employee suffers an allergic reaction from the cleaning chemicals they use in their day-to-day tasks.
- Personal accident insurance: An employee (who is already covered with employer liability insurance) leaves the business premises at the end of the day but trips and breaks their ankle when walking to their car parked on a side road.
What Levels Of Car Detailing Insurance Can You Get?
There are three levels of road risk insurance for car valeting businesses:
Third-party only
- The lowest level of road risk insurance available (and required by UK law).
- Covers the cost of damage to other cars if you’ve caused an accident (i.e. third-party vehicles).
- It won’t cover repair costs for the car you are driving, even if you happen to be operating one of your customer’s vehicles.
Third-party fire and theft
- Medium level of road risk cover.
- Includes basic TPO.
- Will compensate you if vehicles in your care are stolen or damaged by fire.
- It still won’t cover the costs (e.g. medical expenses, vehicle repairs) of personal vehicles.
Fully comprehensive
- Highest level of road risk insurance
- Includes TPO and TPFT cover levels
- Covers any damage to the vehicle you are driving as well as other people’s cars and property
- Car detailers’ preferred cover choice
What Add-Ons Are Available For Car Detailing Insurance?
Optional extras you can add to your car detailing business insurance policy include:
Defective Workmanship Cover
A defective workmanship cover is a good policy to add, even for the most meticulous car detailers. It gives you peace of mind that if mistakes or accidental damage should occur, your business is financially protected. This is also called “service indemnity cover”.
Commercial Property Cover
Commercial property cover does exactly what the name suggests – covers your commercial property from the likes of fires, flood, vandalism, or theft/burglary. Your chosen insurance provider will pay out for any repairs or rebuilds if there is damage to your car detailing workshop, garage, or yard.
Tools & Equipment Cover
Tools and equipment cover is a popular motor trade business policy because it protects essential day-to-day tools and equipment against theft, loss, or damage. Some detailing machinery sports a hefty price tag, so instead of forking out your own cash to replace them, opt for this kind of cover.
Stock Insurance
Stock insurance is also a wise choice, covering you in the event essential stock and supplies are stolen or damaged.
Legal Expense Insurance
Legal expense insurance covers legal fees and protects you and your business if or when you ever find yourself in a legal battle. These disputes could be between suppliers, customers, or staff.
Business Owners Policy
Business Owners Policy (BOP) combines commercial property and general liability insurance.
How Much Does Car Detailing Insurance Cost?
You can expect to pay as little as £4.46 per month for car valeting insurance. However, the level of cover you choose and any optional extras you choose will increase the final price tag.
Always weigh up the type of insurance you need versus the car valeting insurance cost, as you don’t want to pay unnecessary expenses on your policy if you don’t need to.
What impacts car valeter insurance prices?
- The type of car valeting business you run (full- or part-time).
- How many years you have been in business.
- Type of vehicles you detail/valet – a high-end Land Rover is more expensive than a Kia Sportage).
- The number of employees you have – including casual workers.
- The level of experience your staff have – beginners vs experts.
- Valet drivers’ age – who will be moving customers’ cars?
- The type of equipment you use – fixed or portable equipment.
- The level of cover you choose – TPO, TPFT, comprehensive.
- Your claim compensation history.
How Can You Get Cheaper Insurance Rates?
Here are a few ways to lower your car valeting business’s insurance premiums:
- Compare quotes from various insurance providers by using SimplyQuote’s online comparison tool.
- Pay premiums annually as opposed to monthly payments.
- Ensure commercial buildings are secure after hours (e.g. alarms, burglar bars, CCTV cameras).
- Hire experienced employees with clean driving records and a stellar work ethic.
- Only add the extras you need to avoid unneeded expenses.
How To Compare Car Detailers’ Insurance Quotes With SimplyQuote?
Find cheaper insurance deals for your car detailing business with SimplyQuote today:
- Fill in the quick questionnaire with some business and personal details.
- Select the optional add-ons you want to include in your policy.
- Effortlessly compare quotes with SimplyQuote’s online comparison tool.
- Experience cash savings like never before!
Frequently Asked Questions
Car detailing, or car valeting, insurance is a type of motor trade insurance specifically geared toward car detailing businesses.
Yes, employers liability insurance is a legal requirement if you employ more than one staff member, whether they are on a part-time or casual basis.