Our professional indemnity insurance covers claims where customers allege that defects were missed during MOT testing, including subsequent accidents or vehicle failures attributed to testing errors. This includes legal costs and potential compensation payments.

Yes, we can provide coverage for MOT stations with previous claims history. Our underwriters assess each case individually, considering the circumstances and current risk management practices to find competitive solutions.

We consider applications from MOT station operators with spent criminal convictions. Each case is assessed individually, focusing on the nature of the conviction, time elapsed, and current business practices.

We understand that businesses can face financial challenges. Our underwriters consider applications from MOT stations with adverse credit history, focusing on current business stability and risk management practices rather than past financial difficulties.

Yes, our equipment insurance covers repair or replacement of MOT testing equipment, and business interruption coverage helps compensate for lost income while equipment is being repaired or replaced.

Yes, MOT stations handle sensitive customer data and connect to DVSA systems. Our cyber insurance protects against data breaches, system failures, and cyber attacks that could disrupt your MOT testing operations.

We recommend minimum public liability coverage of £1 million, professional indemnity of £500,000, and employers liability of £10 million. Coverage levels can be increased based on your business size and risk exposure.

Yes, we provide specialized coverage for mobile MOT testing services, including equipment in transit, public liability at customer locations, and professional indemnity for off-site testing activities.

We can often provide same-day quotes and coverage for MOT stations. Our experienced team understands the automotive testing industry and can arrange comprehensive protection quickly and efficiently.

Our business interruption coverage can help compensate for lost income during temporary suspension of MOT authorization, subject to policy terms and the reason for suspension.

MOT station insurance costs vary based on factors like business size, equipment value, testing volume, and coverage levels. Typical annual premiums range from £800-£3,000 for small independent stations, with larger operations requiring higher coverage limits. Contact us for a personalized quote based on your specific MOT testing center.

Our comprehensive MOT station insurance covers all vehicle classes you're authorized to test, including Class 4 (cars), Class 5 (private passenger vehicles), and Class 7 (commercial vehicles up to 3,000kg). Coverage automatically extends to all authorized testing categories.

Our business interruption coverage can provide financial support during temporary suspension periods, helping cover fixed costs and lost income. Coverage depends on the reason for suspension and policy terms, but we understand the impact regulatory action can have on MOT stations.

While MOT station insurance isn't legally mandated, employers liability insurance is required if you have staff. However, professional indemnity and public liability insurance are essential for protecting against claims from testing errors, customer injuries, and regulatory issues that could bankrupt your business.

Yes, we can provide MOT station insurance for businesses with County Court Judgments (CCJs) or previous bankruptcy. Our specialist underwriters assess each application individually, focusing on current business stability rather than past financial difficulties.

Yes, our equipment insurance covers all MOT testing apparatus including diesel smoke meters, gas analyzers, brake testers, headlight testers, and computerized testing systems. Coverage includes repair, replacement, and calibration costs for specialized emissions testing equipment.

Our public liability insurance covers accidental damage to customer vehicles during MOT testing, including damage from lifting equipment, testing procedures, or staff negligence. This protects your business from costly repair claims and maintains customer relationships.

Yes, we provide comprehensive coverage for MOT stations that also offer repair services, servicing, or maintenance. Our policies can be tailored to cover both MOT testing activities and general garage operations under one comprehensive policy.

Absolutely. MOT stations store customer data, process payments, and connect to DVSA systems. Cyber insurance protects against data breaches, ransomware attacks, system failures, and GDPR fines that could severely impact your MOT testing business operations.

Yes, we can often arrange same-day MOT station insurance coverage for urgent requirements. Our experienced team understands the automotive testing industry and can provide immediate quotes and coverage to ensure your business is protected without delay.

Our business interruption insurance covers lost income when computer system failures prevent MOT testing. Equipment insurance covers repair or replacement of MOT computers, and cyber insurance protects against system attacks or data corruption affecting your testing operations.

Yes, we provide specialized insurance for franchise MOT operations including Kwik Fit, ATS Euromaster, and independent franchise systems. Our policies can be tailored to meet franchise requirements while providing comprehensive protection for your specific location.

Legal expenses insurance is crucial for MOT stations facing employment disputes, customer claims, regulatory investigations, or contract disputes. Coverage includes legal representation, court costs, and expert witness fees for various legal matters affecting your testing center.

Our professional indemnity insurance covers claims arising from incorrect MOT certificates, including allegations of negligent testing, missed safety defects, or improper certification procedures. This includes legal defense costs and potential compensation payments.

While standard MOT station insurance doesn't include breakdown recovery, we can arrange additional coverage for MOT stations offering roadside assistance or recovery services. This extends your professional indemnity and public liability protection to off-site activities.