Valeting Insurance
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Why Compare Valeting Insurance Quotes With SimplyQuote?
Forget spending hours scrolling through insurance websites or getting put on hold for the umpteenth time and get back to what you do best – providing an excellent valeting service.
SimplyQuote takes the hassle out of finding the perfect car valeting insurance for your business.
The online comparison tool streamlines the entire process. Easily source and compare no-obligation, free quotes from the top UK providers with just a few clicks. Securing your peace of mind has never been this simple!
What Do You Need To Get A Quote For Valeting Insurance?
To get a car valeting insurance quote, we require some of the following details:
- Type of valeting business: Mobile or fixed location-based
- Business details: Name of your business, address (fixed location), service area/s (mobile), type of valeting services offered, niche (supercars, minivans, regular cars, etc. – if applicable), average number of vehicles valeted per day
- Equipment: Type of cleaning equipment you own and use
- Chemicals: Type of chemicals used
- Insurance cover needs
- Claims history
- Number of employees (if applicable)
- Any additional services offered
Why Do You Need Valeting Insurance?
If you run a car valeting business, whether from a fixed location or through a mobile service, this type of insurance is a must.
This specialised motor trade cover protects your business from unexpected circumstances that could lead to financial loss.
While you could take out a generalised motor and business insurance policy, you won’t necessarily be covered for the specific challenges that arise from car valeting.
Unfortunately, accidents happen, even for the most experienced team or professional. And when they occur on a high-value asset like a car, the bills are often hefty.
For example, you could accidentally drop corrosive chemicals on a car seat or a heavy-duty vacuum cleaner could fall over and scratch the bodywork. A customer could also trip over the cord of an unattended cleaning machine, causing injury.
Without valeting insurance, you won’t just be responsible for dealing with an unhappy customer, but you’ll also be liable for footing the bill that comes with repairs, compensation or injury caused.
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What Does Valeting Insurance Cover?
While the specifics of valeting insurance cover will differ between providers and policies, this is what is usually included:
Public liability insurance cover
Public liability cover protects your valet business in the event your service causes injury or property damage. While this type of cover is not a legal requirement in the UK, it can prevent significant financial loss if an accident occurs. It also gives your customers peace of mind that your business has taken the necessary steps to ensure customer protection and that of their vehicles.
Public liability insurance provides cover for compensation claims that include:
- Unintended injury or property damage caused by your employees (e.g. if an employee accidentally knocks off a side mirror when moving a car into a wash bay).
- Property damage caused by your service or work you did (e.g. if a scratch was caused on a car’s bodywork during polishing).
- Accidental injuries or illnesses caused by your valeting service (e.g. if a customer accidentally knocks over cleaning chemicals that results in a chemical burn).
Employer’s liability insurance
If you hire staff to work for your valet business, employer’s liability cover is a legal requirement that needs to be included in your policy.
Similar to public liability insurance, employer’s liability insurance protects you if any of your staff members have a work accident, whether they are employed permanently or casually.
The medical costs of the employee, your legal expenses, and any claim compensation are covered under employer’s liability insurance.
Road risk insurance
Road risk insurance cover is needed if you or your employees drive your customers’ cars when valeting them. Whether it’s a short drive from a wash bay to a drying bay or you offer a collection and delivery valet service, road risk insurance ensures that you’re legally covered to drive a customer’s car.
As a minimum, this type of insurance ensures you are covered if you cause third-party injury or property damage while driving the car.
What Levels Of Valeting Insurance Cover Do You Get?
While you can’t get different levels of valet insurance cover, you can get different levels of road risk insurance cover to include in your policy. These levels include:
Third-party only (TPO)
This is the minimum level of cover required by law in the UK to drive a customer’s car. It covers injuries, damage and accidental death caused to third parties (including property and people) as a result of an accident you caused.
Third-party, fire and theft (TPFT)
Same as third-party only cover, and includes cover for fire damage to the vehicle or if the vehicle was stolen.
Fully comprehensive
This is the highest level of protection and includes cover for damage to the vehicle being driven, as well as the driver, in the event of an accident.
When it comes to including road risk cover in your valeting insurance policy, opting for comprehensive cover is usually the best option. This ensures that you have sufficient cover for any damage expenses caused to a client’s property (i.e. their car) if you have an accident.
While you would be insured for any third-party claims under the other two levels, your valet business would legally be required to pay the high cost of any repairs. As mentioned, any type of car damage can be a costly, and oftentimes an unaccounted for, expense.
What Add-Ons Can You Get For Valeting Insurance?
To ensure your valeting insurance policy is tailored to your specific business requirements, you could consider adding on some of these coverage policies:
Tools in transit
If you run a mobile valet service, this type of specialised tools insurance is a great add-on to include in your policy. This covers any valeting equipment and tools you carry in your work vehicle against damage, loss and theft.
Personal accident insurance
This add-on pays you or an insured employee an income should they become injured on the job and are unable to work.
Business legal insurance
If you’re ever faced with claims relating to your valet business, this cover will cover any necessary legal fees.
Building and contents cover
If you operate out of a specific business premises, it’s a good idea to get buildings and contents insurance. If your specialist tools and equipment are stolen, damaged or destroyed in a fire, business interruption insurance can cover any loss of income while you are unable to trade.
This helps you while you get your business up and running again. It may also cover costs incurred while working from a different, temporary premise while your original location is being restored.
Stock insurance
Stock insurance protects any stock you may own in the event of theft, fire or damage. This could be especially useful if you buy specialist cleaning chemicals in bulk that could be costly to replace.
How Much Does Car Valeting Insurance Cost?
The price you pay for your car valeting insurance will vary depending on several factors. However, car valeting insurance prices start from as little as around £3.50 per month.
It’s important to keep in mind, though, that several factors can influence this price and that the cheapest policy may not always be the best for your business. That’s why comparing valet insurance quotes with SimplyQuote is crucial when it comes to finding a policy suited to both your budget and needs.
What influences the price of valeting insurance?
Here are a couple of factors that can influence the premium you pay for your valeting insurance policy:
- Your business location or the area/s you service
- The number of people you employ and insure
- The age of your business
- Your claims history
- The amount of excess you pay
- Any add-ons included
- The limit of your cover
- Trade vehicle security or business premise security
- The type of cars you valet
- The level of road risk insurance you take out
- You and your employees’ driving convictions
- The value of your trade vehicle/s (for mobile services)
- The equipment and tools you use the year as opposed to monthly instalments.
How Can You Reduce Your Valeting Insurance Premiums?
Here is how you can reduce your valeting insurance premiums to ensure you get the best possible deal:
- Compare quotes online: The best way to reduce your monthly or annual valeting insurance premiums is to compare quotes using SimplyQuote’s online comparison tool. This way you can choose the policy that aligns with your business needs and budget.
- Employ skilled professionals: To reduce the risk your employees pose to your business, it’s crucial to employ individuals who have the necessary skills and expertise to do the job.
- Increase trade vehicle and business premise security: Ensure that your vehicle and business premises have added security measures like CCTV, secure locking systems, and alarms to decrease the risk of theft claims.
- Pay annually rather than monthly: Paying your insurance policy annually, via one lump sum payment, ensures that you don’t pay any additional interest on your policy. It also reduces the risk of missed payments or a failed direct debit, which could result in additional penalty payments.
- Only take out the cover you need: The add-ons you include in your policy will increase your premiums. Ensure that you only take out the cover you actually need and that your business will benefit from. For example, there’s no point in including tools in transit insurance if you operate out of a fixed location.
How To Compare Valeting Insurance Quotes With SimplyQuote?
Comparing valeting insurance quotes with SimplyQuote couldn’t be easier:
- Fill out a quick online form telling us about your car valeting business.
- Let us know what add-ons you need to ensure you only receive tailored quotes.
- Receive multiple valeting insurance quotes from the top UK insurers.
- Compare and choose the online quote that suits your business needs and budget.
- Reap the savings benefits!
Frequently Asked Questions
Car valeting insurance is a specialist type of motor trade insurance.
A valeting insurance policy will allow you to drive your customers’ vehicles, in addition to your own (if you run a mobile business). This type of cover can protect you and your business against accidental damage, loss or theft of equipment, money, stock and tools.
Choosing the right valeting insurance policy is essential when operating in the motor trade industry.
Valeting insurance is a type of specialised business insurance that covers the nuances of operating a car valet business.
Along with providing cover for your business (as with standard business insurance), it can also cover legal costs and compensation claims for road risk, employer’s liability insurance and public liability cover. It ensures you are protected and can operate your business with full peace of mind.