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Vehicle Repairs, Sales & Recovery Insurance
Specialist insurance for motor trade businesses that combine vehicle repairs, vehicle sales and recovery work, where customer vehicles, road risks, recovery trucks, tools, stock and liability all need to be declared clearly.
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Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.
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Insurance for Vehicle Repairs, Sales and Recovery Operators
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Our team specialises in commercial insurance across logistics, construction, manufacturing and property sectors. Get specialist cover with business insurance tailored to your industry. Insure24 is FCA authorised and regulated (FRN: 1008511).
Vehicle repairs, sales and recovery insurance is for motor trade businesses whose work spans garage repair activity, vehicle trading and recovery or roadside assistance. It can suit garages that recover vehicles for repair, dealers that provide recovery support, and repairers operating recovery trucks alongside vehicle stock.
The right policy depends on the split between repairs, sales and recovery, the recovery vehicles used, whether you tow or transport customer vehicles, the highest customer and stock vehicle values, and whether vehicles are road tested, demonstrated, collected, delivered or stored overnight.
What Can This Insurance Cover?
Policies can be structured around repair work, vehicle stock, recovery operations, customer vehicles, tools, premises and liability exposure.
Road Risks and Recovery Work
Cover for declared drivers using customer, stock, business or recovery vehicles for motor trade purposes, including road tests, collection, delivery and recovery where accepted.
- Customer vehicles in custody or control
- Recovery trucks, towing and transport activity
- Road testing, collection and delivery
Vehicle Stock, Tools and Premises
Protection for stock vehicles, tools, diagnostic equipment, workshop contents, recovery equipment, premises, yards and business interruption after insured damage.
- Stock vehicles and customer vehicles
- Tools, ramps, diagnostics and recovery equipment
- Buildings, contents and interruption cover
Liability and Custody Exposure
Liability cover can respond to injury, property damage, defective repair allegations, loading incidents, customer vehicle damage and staff injury claims.
- Public and products liability
- Repair, sales and recovery liability review
- Employers' liability where staff are employed
What Insurers Usually Want to Know
Mixed repair, sales and recovery businesses need a clear presentation because roadside recovery and towing can change the risk materially.
Trade Activities
- Turnover split between repairs, servicing, vehicle sales, recovery, roadside assistance and transport work.
- Whether recovery includes breakdowns, accident recovery, police work, motorway work, roadside repairs or vehicle transport.
- Whether vehicles are road tested, demonstrated, collected, delivered, recovered or stored overnight.
- Whether you work on cars, vans, commercial vehicles, performance vehicles, EVs, hybrids or modified vehicles.
Values and Controls
- Highest customer vehicle value, highest stock vehicle value and total vehicles on site or in transit.
- Recovery vehicle types, lifting equipment, winches, trailers, maintenance records and driver experience.
- Driver details, trade plates, road risks requirements, test drive procedures and recovery areas served.
- Premises security, CCTV, alarms, key control, fire controls, claims history and staff training.
Example Claims
Repair, sales and recovery claims can involve customer vehicles, public road use, vehicle stock and loading activity in one incident.
Recovery loading damage
A customer vehicle is damaged while being winched, loaded, transported or unloaded by a recovery truck.
Road test or demonstration accident
A customer or employee damages a vehicle during a road test, test drive, collection or delivery journey.
Stock or customer vehicle theft
Stock vehicles, customer vehicles, keys, tools or recovery equipment are stolen from the premises, yard or workshop.
Vehicle Repairs, Sales & Recovery Insurance FAQs
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Can one policy cover repairs, sales and recovery?
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Does recovery work need separate declaration?
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Can stock and customer vehicles be covered?
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What information helps insurers quote?