13 Aug A Tyre Fitter’s Guide to Motor Trade Insurance
What options are available to Tyre Fitters
Motor trade insurance for tyre fitters is necessary if you work in the motor trade industry. A mechanic that checks and changes tyres for a number of reasons whether it be an MOT, annual check, or even when a current set of tyres needs replacing will require a motor trade insurance policy. In the UK, there is a trend to have both summer and winter tyres ready for each season.
If your business changes tyres for hundreds or thousands of vehicles each year, you will want to have cover in place to protect you for a number of different reasons which we will discuss below. You will be accountable for any work you carry out. For example, if a tyre isn’t suitable and selected incorrectly, air pressure is measured inaccurately, or if a tyre is not fitted properly, a customer may make a claim against your business. These minor details can cause an accident, injury, or a fatality in a worst case scenario.
A tyre fitting business will focus on the work environment and the technical training of its employees to ensure that tyres are fitted to the correct specification and work is assessed accurately. In most cases, staff are highly trained, but mistakes can and will inevitably occur. Your business could face a loss if someone wishes to make a claim against your employees or the business itself. In the event of any unforeseen circumstances, it is essential that you have the right motor trade insurance policy in place.
The best motor trade cover for tyre fitters will not only cover public liability and employee liability. It can encompass several different areas of motor trade insurance. It can include your business premises, tools and equipment for accidental damage, fire, and theft.
Whether you operate a small workshop or a large number of garages, Utility Saving Expert can help you compare all the leading motor trade insurance providers. It’s quick and easy to get an online quote within minutes.
Public Liability Insurance
If you have a business premises that your customers visit, as a motor trader you should consider public liability insurance. This type of insurance covers you if one of your customers is injured in an accident or incident while they are on your premises. It can also cover you if one of your customers has an accident or incident that was caused by defective workmanship by you or one of your employees on a vehicle belonging to one of your customers.
Employer’s Liability Insurance
If you have one or more employees, employer’s liability is a legal requirement as a motor trader. It covers you and your business if one of your employees is injured or dies whilst at work. If you are a mobile tyre fitter and need insurance for multiple vehicles, it may also be worth considering cover for your entire fleet.
Product Liability Insurance
Product liability as part of your motor trade insurance gives you cover if a tyre you fit to a customer’s vehicle turns out to be defective and causes an accident or incident as a result. It allows your insurer to sue the manufacturer of the defective tyre.
Combined motor trade Insurance policies
Combined motor trade insurance includes road risk insurance and liability insurances. It also provides cover for things such as your premises, your tools and your business. It is the most comprehensive type of trader insurance policy you can get and provides cover for almost every aspect of your motor trade business under one policy.
This guide covers the specific needs of tyre fitters who require motor trade cover. For more general information and to get Motor Trade Insurance quotes we recommend visiting this page – Motor Trade Insurance | Compare Cheap Traders Insurance Quotes