What is valeting / sales insurance?

Valeting / sales insurance is motor trade cover for businesses that combine vehicle cleaning, preparation, buying, selling, demonstration use or vehicle movements.

Do valeting and sales businesses need road risks cover?

Road risks cover is usually needed if declared drivers use stock, customer or trade vehicles on public roads for collection, delivery, demonstration, test drives, preparation or sales activity.

Can vehicle stock be insured?

Vehicle stock can often be insured, subject to values, storage locations, security, driver restrictions and insurer terms.

Does cover include valeting work on vehicles for sale?

Policies can be arranged to reflect declared valeting, preparation and sales activities, including liability risks, tools, stock and vehicles in custody or control.

Motor Trade Insurance

Valeting / Sales Insurance

Specialist insurance for motor trade businesses that clean, prepare, buy, sell, demonstrate or move vehicles, where road risks, stock, customer vehicles, valeting equipment, liability and premises cover all need to match the way the trade actually operates.

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Valeting and sales Vehicle stock and road risks Liability and equipment

Insurance for Valeting and Vehicle Sales Businesses

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Valeting / sales insurance is for motor traders whose work spans vehicle cleaning, preparation, buying, selling, demonstrations, collection and delivery. It can suit small forecourts, home-based traders, mobile valeters who also sell vehicles, preparation businesses and combined car wash, valet and sales operations.

Because the business mixes service work with vehicle trading, insurers usually need a clear picture of who owns each vehicle, where stock is kept, who can drive, whether customers take test drives, and what valeting or preparation work is carried out before sale.

Valeting and sales insurance for motor trade businesses

What Can Valeting / Sales Insurance Cover?

Cover can be arranged around the sales journey, from acquiring and moving vehicles through to valeting, preparation, demonstration and after-sale support.

Road Risks and Demonstrations

Cover for declared drivers using stock, customer or trade vehicles on public roads for motor trade purposes such as collection, delivery, preparation, road testing and accompanied demonstrations.

Stock vehicle movements
Test drives and demonstrations where accepted
Collection and delivery between sites

Vehicle Stock and Premises

Protection for vehicles held for sale, display areas, workshops, forecourts, lock-ups, home trading locations and associated business property.

Vehicle stock values and storage
Forecourt, compound or premises risks
Keys, money and business equipment

Valeting, Tools and Liability

Liability and equipment cover for declared valeting, detailing and preparation work, including cleaning products, portable equipment, slips, property damage and customer vehicle disputes.

Valeting tools and preparation equipment
Public and products liability
Employers' liability where staff are employed

What Insurers Usually Want to Know

Combined valeting and sales risks depend on vehicle ownership, road use, customer access, storage security and how preparation work is controlled.

Sales Activity

Whether you buy and sell vehicles, sell on commission, source vehicles, operate from home, trade online or use a forecourt.
Vehicle stock values, maximum vehicle value, storage addresses, security and whether vehicles are kept overnight.
Who drives vehicles, driver ages, convictions, claims history and whether demonstration drives are offered.
Whether vehicles are collected, delivered, transported, recovered or road tested before sale.

Valeting Activity

Whether valeting is only for your own stock or also carried out for customer vehicles, dealerships or fleet clients.
Cleaning products, pressure washers, steam cleaners, polishers, water reclamation and chemical storage arrangements.
Tool and equipment values, mobile vans, trailers and overnight storage security.
Staff numbers, subcontractors, risk assessments, customer handover checks and damage sign-off processes.

Example Claims

Valeting and sales claims can involve both the vehicle trading exposure and the preparation work carried out before a vehicle is handed over.

Stock vehicle collision

A stock vehicle is damaged while being moved between a storage compound and a sales appointment.

Valeting damage allegation

A customer alleges that cleaning chemicals, polishing or pressure washing damaged paintwork, trim or interior electronics.

Forecourt slip incident

A visitor slips on a wet preparation area while viewing a vehicle that has just been washed for sale.