What is brakes, clutch, exhaust and tyre fitter insurance?

It is motor trade insurance for businesses fitting, replacing, repairing or supplying brakes, clutch components, exhaust systems, tyres and related vehicle parts.

Do fast-fit garages need motor trade insurance?

Usually yes if they work on customer vehicles, move them, store them, road test them or fit safety-critical components as part of the business.

Does insurance cover faulty fitting allegations?

Liability cover may respond to injury or damage claims linked to faulty fitting, subject to the policy wording, exclusions and the activities declared to insurers.

Motor Trade Insurance

Brakes, Clutch, Exhaust & Tyre Fitter Insurance

Q: Can mobile fitters be covered?

Mobile fitting can often be reviewed, but insurers need details of vans, tools, stock, work locations, road testing, vehicle values and public liability exposure.

Specialist insurance for fast-fit, workshop and mobile fitting businesses where customer vehicles, safety-critical workmanship, tools, stock, road risks and liability all need to be described clearly.

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Brakes, clutch, exhausts and tyres Workshop or mobile fitting Customer vehicle exposure

Motor trade cover for fast-fit and mechanical fitting businesses

We help brakes, clutch, exhaust and tyre fitters compare cover for customer vehicles, road risks, fitting liability, tools, parts, stock, premises, mobile work and business interruption.

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Insurance for Brakes, Clutch, Exhaust and Tyre Fitters

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Brakes, clutch, exhaust and tyre fitter insurance is for businesses fitting, repairing, replacing or supplying common fast-fit and mechanical components. It can suit independent garages, fast-fit centres, tyre and exhaust specialists, clutch repair businesses, mobile fitters and mixed repair workshops.

The right policy depends on whether work is workshop-based or mobile, whether customer vehicles are moved or road tested, what stock is held, which tools and ramps are used, and whether the business also carries out wider servicing, diagnostics or mechanical repair.

Brakes clutch exhaust and tyre fitter insurance for motor trade businesses

What Can This Insurance Cover?

Policies can be built around customer vehicles, safety-critical fitting liability, workshop equipment, mobile vans, stock and road risks.

Customer Vehicles and Road Risks

Cover for vehicles in your custody or control while work is carried out, moved, collected, delivered or road tested where accepted.

Customer vehicles on site or at mobile jobs
Road testing after fitting where declared
Collection and delivery where required

Tools, Stock and Premises

Protection for fitting tools, diagnostic kit, ramps, compressors, tyre equipment, parts stock, workshop contents, mobile equipment and premises.

Brake, clutch, exhaust, tyre and wheel stock
Ramps, compressors, tyre changers and balancers
Theft, fire, flood and business interruption

Liability and Fitting Work

Liability cover can respond to injury, property damage, defective fitting allegations and staff injury claims.

Public and products liability
Safety-critical fitting liability review
Employers' liability where staff are employed

What Insurers Usually Want to Know

Brakes, clutch, exhaust and tyre fitting can create higher scrutiny because the work can affect vehicle safety, roadworthiness and customer vehicle values.

Trade Activities

Whether you fit brakes, clutches, exhausts, tyres, wheels, batteries, suspension or other mechanical parts.
Whether work is workshop-based, mobile, roadside, at customer sites or at dealership premises.
Whether customer vehicles are moved, road tested, collected, delivered or stored overnight.
Whether you work on performance vehicles, commercial vehicles, EVs, fleet vehicles or modified vehicles.

Values and Controls

Maximum customer vehicle values and number of vehicles in your care at one time.
Stock values split by brake parts, clutch parts, exhausts, catalytic converters, tyres and wheels.
Tool and equipment values, ramp inspections, compressor maintenance and mobile van security.
Driver details, claims history, staff training, torque-check records and quality-control procedures.

Example Claims

Fast-fit and mechanical fitting claims often involve safety-critical workmanship, customer vehicle damage and specialist equipment.

Faulty fitting allegation

A customer alleges incorrectly fitted brakes, clutch parts, wheels or tyres caused vehicle damage or a road incident.

Customer vehicle damage

A vehicle is damaged while being lifted, moved, road tested, collected or worked on in the workshop or at a mobile job.

Equipment theft or breakdown

Ramps, compressors, tyre changers, mobile tools or diagnostic equipment are stolen or damaged, delaying booked work.