Tyre Fitter Insurance
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Why Compare Tyre Fitter Insurance Quotes With SimplyQuote?
Compare tyre fitting insurance quotes with SimplyQuote to save time and money on your insurance premiums. Tyre fitting is time-consuming, requiring precision and meticulous attention to detail.
Skilled tradesmen who work in environments with a range of hazards in the motor trade industry.
One wrong mistake and you can land yourself in hot water.
This is where the right insurance comes into play and what better way to find tyre fitting insurance deals than with SimplyQuote’s 100% free, unbiased, comparison tool?
Just slot in a few details about yourself, the types of vehicles you work on and whether you operate full-, part-time or casually on weekends.
What Do You Need To Get A Quote?
We’ll provide you with an extensive list of quality insurance providers for your tyre fitting insurance once we have a few basic details from you:
- Your details: Full name, UK address, contact number, claims history
- Business details: Company registration details, business operating hours (e.g. full or part-time), business’s physical address
- Employee details: How many staff do you employ? Do they drive or move the vehicles in your care? If so, we’ll need drivers’ ages and driving licence details
- Insurance details: What motor trade cover are you interested in? Which policy add-ons do you want to include?
Why Do You Need Tyre Fitter Insurance?
You need tyre fitting insurance if you are one of the following:
- Fulltime tyre fitters
- Part-time/casual tyre fitters
- Home-based tyre fitters
- Mobile tyre fitters
- Static tyre fitters (i.e. brick and mortar fitting shops)
It is a legal requirement in the UK. Without it, you’re putting yourself, your employees and your business at risk. Imagine something had to go wrong with a customer’s vehicle, such as a poorly-fitted tyre. Or if an employee is injured while underneath a vehicle? The legal fees and consequences can be costly; not to mention the disastrous repercussions and backlash for your business.
Essentially, you need at least third-party-only (TPO) road risks insurance in place to legally run your tyre fitting business in the UK.
What are the benefits of tyre fitting insurance?
- Peace of mind knowing you, your employees and your business are financially and legally protected.
- Tailored policies guarantee you are precisely covered for the risks tyre fitters may face. This level of personalisation ensures you are covered for exactly what you need.
- Compliance is effortlessly achieved with road risk and liability insurance in place.
- The convenience of having all motor trade insurance policies under one insurance policy with one renewal date. This includes insurance for your business premises, tools and equipment.
- Save time and money by bundling your insurance needs together.
Looking for the cheap Tyre Fitter Insurance? Get a quote today!
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What Does Tyre Fitter Insurance Cover?
A tyre fitter insurance policy covers many risks and hazards associated with the motor trade.
The two most important things tyre fitters’ insurance cover include:
Road risk insurance
This cover allows you to drive vehicles that don’t belong to you such as your customer’s vehicles. If you’ll be operating other people’s vehicles on public roads, this cover is required by law. Like with personal car insurance, there are three levels of cover to choose from:
- Third-party
- Third-party fire theft
- Comprehensive
Liability insurance
This offers protection against claims brought against you from accidents, damages or injuries sustained from your day-to-day operations. There are three types of liability insurance but not all are compulsory.
- Public liability insurance is not legally needed but is highly recommended to include on your policy. It protects you against third-party claims, covering legal fees, medical bills and third-party vehicle repair costs. For example, a customer walks into your workshop and trips and falls or an employee damages a customer’s vehicle on duty. Public liability insurance will cover medical bills and legal fees in this instance.
- Employers’ liability is a legal requirement if you employ staff, whether on a full-, part-time or casual basis. If an employee is injured or becomes ill while on duty, they could lay a charge against you/your business, making employers liability insurance invaluable in these cases.
- Product liability cover protects your business against any claims made by a member of the public if they were sold faulty parts (e.g. the tyre was fitted and has caused damage to their vehicle steering shaft). It is not a legal requirement.
What’s not covered
- Damages caused by negligence (e.g. your employees didn’t secure the vehicle on the lifting/hoisting machine properly and the vehicle was damaged)
- Damages caused while under the influence of drugs or alcohol
- General wear and tear of vehicles
- Existing damage on customers’ cars (e.g. dents, bumps)
- Goods in transit
- Uninsured persons/unnamed drivers
What Levels Of Tyre Fitter Insurance Can You Get?
As mentioned, road risk insurance has three levels to choose from:
- Third-party only (TPO) – protects against third-party claims if persons/vehicles are damaged by you, your employees or when in your business’s care. This is the lowest level of cover.
- Third-party fire theft (TPFT) – is a medium-level of cover that includes basic TPO with the addition of compensation if vehicles are damaged by fire or stolen.
- Fully comprehensive – offers the widest range of cover, including both TPO and TPFT levels. Insurers will pay out for repair costs to your personal vehicles and cover medical expenses incurred.
What Add-Ons Are Available For Tyre Fitter Insurance?
Here is a list of optional extras you can add to your tyre fitting insurance policies.
Workmanship
Defective workmanship: Protects you in case workmanship is not up to standard and causes an accident. This might mean the quality of the work is flawed or the process was flawed and could be a crucial lifeline if a tyre you fitted later comes off and causes damage.
Professional indemnity insurance: Protects you against claims made by customers for financial loss of negligent services or advice you provide.
Tools and equipment
Tools and equipment insurance: Protects your tools of the trade and any machinery or equipment used for your tyre fitting activities and ensures these will be replaced if lost, stolen or damaged.
Engineering inspection cover: Safeguards your livelihood by ensuring your equipment is within safe standards while keeping your business legally compliant.
Stock
Goods in transit insurance: Covers goods such as tyres being moved from one location to another against loss, theft or damage.
Stock insurance cover: Replaces your stock of tyres or other items if lost, stolen or damaged.
Business
Business premises insurance: Covers the premises you use for business activities, also known as commercial property insurance. It offers financial support should premises be vandalised, burgled or damaged by fire or a flood.
Business interruption cover: Helps your business in times of lost income because of a disaster that causes you to shut your business temporarily (e.g. fire, flood, storm damage, etc.)
Uninsured loss recovery: Helps you claim back expenses from an accident that was not your fault.
Contents insurance: Covers the goods inside your office building such as computers and furniture. If these are stolen or damaged, you can use your contents insurance to replace them.
Money cover: If you accept cash payments, this is a good policy to add. However, there are usually strict procedures to follow such as having the cash locked in a secure safe. There are also limitations to the amount insurers will pay out (e.g. capped at £2,500).
Vehicle
Commercial vehicle cover: If you drive a company vehicle it’s important to have commercial vehicle insurance. It works the same way as standard car insurance just specifically designed for business purposes, such as driving during peak hours or high-traffic areas. This is extremely beneficial if you’re a mobile fitter.
Breakdown cover: This policy complements your commercial vehicle policy, providing roadside assistance costs and breakdown recovery services.
Courtesy car cover: Provides you with a courtesy vehicle when your business vehicle is in for repairs at no additional cost to you.
Vehicle transportation insurance: If you collect vehicles (and then fit tyres) as part of your business offering, it’s best to add this policy. For instance, you fetch broken-down vehicles with a flat tyre and bring them back to your workshop.
Please note, that terms and conditions for tyre fitters’ insurance policies may vary between insurers.
How Much Does Tyre Fitter Insurance Cost?
As an estimate, you can expect to pay approximately £285 per year for tyre fitting insurance. Premiums are determined by several factors which make pricing difficult to say.
What impacts tyre fitter insurance prices?
- Business type (e.g full- or part-time)
- The level of cover chosen (e.g. TPO, TPFT, comprehensive)
- Optional add-ons included (e.g. business interruption, equipment cover etc)
- Where you’re based in the UK
- How secure vehicles and premises are overnight
- Age of employees who drive/move customer vehicles
- Claims history
How Can You Reduce Tyre Fitter Insurance Premiums?
- Shop around and compare quotes from numerous insurance providers
- Opt for annual payments, not monthly instalments
- Up the security of your business premises (e.g. CCTV cameras, burglar bars, security gates etc)
- Keep up to date with property maintenance (e.g. fix broken steps, walkways etc to prevent accidents)
- Provide accurate valuations of stock, tools and equipment to avoid over insuring
- Only choose the add-ons you need
- Opt for a higher voluntary excess
- Hire experienced teams (and drivers older than 25) to keep premiums low
- Provide additional employee training on how to drive vehicles safely and load/unload vehicles onto fitment machinery
How To Compare Tyre Fitter Insurance Quotes With SimplyQuote?
Compare tyre fitter insurance quotes with SimplyQuote in four easy steps:
- Fill in the online form with basic details about yourself, your business operation and your location.
- Select optional extras you want to include that are best suited for your line of tyre fitting work.
- Compare quotes in just a few clicks with SimplyQuote’s online comparison tool.
- Save money with the best deal today.
Frequently Asked Questions
Tyre fitter insurance is a type of motor trade insurance specifically geared toward tyre fitment businesses.
Yes. If you operate a tyre fitting service, you need specialist tyre fitter insurance with at least third-party road risk cover. This applies to full-, part-time and mobile tyre fitters.
In our opinion, yes, tyre fitter insurance is a worthwhile investment. It provides financial and legal protection in the case of accidents or mishaps during your day-to-day operations. It will cover vehicles you do not own (i.e. third-party vehicles) and employers liability protects you if employees are injured while on duty.