Bodyshop Insurance
Specialist cover arranged for members of the car trade
Why does your business need Bodyshop Insurance?
If you own or manage a car body shop or accident repair centre, having the right insurance is essential. You likely need to drive customers’ vehicles, protect valuable tools and equipment, and safeguard your business premises. A tailored Bodyshop insurance policy ensures you’re covered for these risks – protecting vehicles in your care, your business assets such as your essential spray booth, and potential liabilities.
What is Bodyshop Insurance?
Bodyshop insurance isn’t a one-size-fits-all policy. At Real Insurance Group, we help you identify your business’s unique risks and arrange the right level of cover – so you’re protected without paying for anything unnecessary.
Typically, bodyshop insurance includes three key areas:
Road Risk Insurance for Bodyshops
If you need to drive customers’ vehicles, you’ll require road risk insurance. Cover options include:
Third-party only – Covers damage to other people’s vehicles or property.
Third-party, fire, and theft – Includes third-party cover plus protection if a vehicle in your care is stolen or damaged by fire.
Comprehensive – Covers third-party risks, fire, theft, and accidental damage to any vehicle you drive, including your own.
We always recommend comprehensive cover for the highest level of protection.
Liability Insurance for Bodyshops
Liability insurance protects your business from claims related to injuries or damage. Key types include:
Employers’ liability – A legal requirement if you have employees, even part-time or casual workers.
Public liability – Covers claims from members of the public who suffer injury or property damage due to your business activities. Even if customers only visit your premises to collect their vehicles, this cover is crucial.
Defective Workmanship and Service Indemnity – Essential cover when you are working on your customers vehicles.
Property and Contents Insurance for Bodyshops
If you operate from business premises, you’ll want to protect your building and its contents. In many cases, mortgage lenders require buildings insurance as part of the loan agreement. A policy can also cover:
Specialist equipment – Including alignment tools, panel equipment, spray guns, and mixing machines.
Motor trade combined policy – If you need cover for your premises, contents, liabilities, and road risks, this all-in-one policy may be the best solution for you and your vehicle repair business.
What is typically covered by a Bodyshop Insurance policy?
Bodyshop insurance policies can vary significantly between insurers and even between businesses using the same insurer. While most policies include essential protections for motor traders, the coverage can be tailored to suit your specific needs.
There are various other protections available as optional extras. Bodyshop insurance really can be tailored to your particular business requirements. We’d be happy to discuss your needs and get you a range of quotes today!
Why should I choose Real Insurance for my Bodyshop Insurance cover?
You should use Real Insurance Group to help you find the right cover for your business because we take the time to learn exactly what you need from your insurer, and then help you find it at a rate you can afford.
If you want results, after all, you go to an expert.
