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Inspection Reports and Advice
Professional indemnity can be considered where you provide written reports, valuations, condition assessments or advice that a customer relies on.
Motor Trade Insurance
Vehicle Inspection Insurance
Specialist insurance for vehicle inspectors, appraisal businesses and pre-purchase inspection services where reports, advice, customer vehicles, road testing, diagnostic tools and liability exposures all need to be declared clearly.
Inspections and reports
Customer vehicle exposure
Road risks and liability
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Motor trade cover for vehicle inspection businesses
We help vehicle inspectors compare cover for inspection reports, pre-purchase checks, road tests, customer vehicles, tools, diagnostic equipment, liability, professional indemnity and premises risks.
Insurance for Vehicle Inspectors
Vehicle inspection insurance is for businesses that inspect, assess, appraise or report on vehicles. This can include pre-purchase vehicle checks, condition reports, end-of-lease inspections, warranty inspections, damage assessments, valuations, road tests and diagnostic checks.
The right policy should reflect whether you provide written reports or recommendations, whether customers rely on your findings when buying or selling vehicles, if you road test or move vehicles, and whether you work from premises, dealerships, auction sites, customer addresses or mobile locations.
Customer Vehicles and Road Risks
Motor trade road risk and custody cover may be needed where you drive, road test, collect, deliver or move customer vehicles as part of the inspection service.
Tools, Equipment and Liability
Cover can include diagnostic tools, inspection equipment, public liability, employers liability, premises contents and mobile equipment, depending on how your business operates.
What Insurers Usually Want to Know
Inspection businesses can range from visual checks to detailed technical reports, so insurers need a clear picture of the service and responsibility involved.
Inspection Work
- Pre-purchase checks, condition reports, appraisals or valuations
- Visual inspections, diagnostic checks, road tests or mechanical assessment
- Written reports, advice, recommendations or sign-off documents
- Work at premises, auctions, dealerships, customer addresses or mobile sites
Vehicles and Controls
- Vehicle types, maximum values and number handled at one time
- Road testing, collection, delivery and driver details
- Tools, diagnostic equipment, mobile kit and premises security
- Qualifications, inspection process, report templates and claims history
Example Claims
Vehicle inspection claims often involve reliance on advice, alleged missed defects, road test incidents or damage to customer vehicles.
Missed Defect Allegation
A customer alleges that a pre-purchase inspection failed to identify a serious fault. Professional indemnity can help respond to negligence claims.
Road Test Damage
A vehicle is damaged during a road test or movement between sites. Motor trade road risk and custody cover can be essential.
Visitor or Property Claim
A customer, dealership employee or member of the public is injured near your inspection area, or property is damaged during the inspection process.
Related Motor Trade Pages
Explore nearby motor trade covers for diagnostics, engineering, repair, testing and customer vehicle handling.
Vehicle Inspection Insurance FAQs
What is vehicle inspection insurance?
It is cover for businesses that inspect, appraise, assess or report on vehicles, including pre-purchase checks, condition reports, road tests, valuations and customer vehicle handling.
Do vehicle inspectors need professional indemnity insurance?
Professional indemnity can be important if customers rely on your reports, advice, valuations or recommendations when buying, selling, repairing or rejecting a vehicle.
Is road risk cover needed for vehicle inspections?
Road risk cover may be needed if you drive, collect, deliver, road test or move customer vehicles on public roads as part of the inspection process.
What details help insurers quote?
Useful details include inspection types, report wording, vehicle values, road testing, driver details, tools and diagnostic equipment, premises, qualifications, quality controls and claims history.