Workshop Insurance - Complete Protection for Your Auto Repair Business

We provide insurance for all types of automotive workshops including general repair garages, specialist service centers, bodyshops, MOT stations, tyre fitting centers, exhaust specialists, transmission repair shops, engine reconditioning workshops, classic car restoration, motorcycle workshops, and mobile mechanics with fixed premises.

Workshop insurance costs vary depending on factors like business size, location, equipment values, claims history, and coverage levels. Typical annual premiums range from £800-£3,000 for small workshops, £2,000-£8,000 for medium-sized operations, and £5,000+ for large workshops. We provide free quotes tailored to your specific requirements.

Equipment breakdown can be included as an optional extension or separate policy. This covers repair or replacement costs for mechanical or electrical breakdown of workshop equipment like lifts, diagnostic computers, compressors, and welding equipment. It also covers business interruption losses while equipment is being repaired.

Public liability insurance covers accidental damage to customer vehicles while in your care. However, for comprehensive protection, you should also consider garage keepers insurance, which specifically covers customer vehicles while they're on your premises or in your custody for repair work.

Tools and equipment can be covered under your contents insurance, but you may need to specify high-value items separately. Mobile tools used off-site may require additional coverage. We'll assess your tool values and recommend appropriate coverage levels and any necessary extensions.

Yes, modern workshops store customer data, use diagnostic software, and process payments electronically. Cyber insurance protects against data breaches, system failures, cyber attacks, and regulatory fines. It's increasingly important as workshops become more digitized.

Apprentices and trainees are covered under employers liability insurance. However, you should inform your insurer about training activities as this may affect your risk profile. Some insurers offer specific coverage for training-related incidents and may provide risk management support.

Yes, previous claims don't automatically disqualify you from getting insurance, though they may affect premiums. We work with insurers who understand that claims can happen in the motor trade. We'll find competitive coverage even if you have a claims history.

The terms are often used interchangeably, but workshop insurance typically refers to specialized repair facilities, while garage insurance may include fuel sales and other services. Both require similar core coverages but with different risk profiles and coverage emphases.

Professional indemnity is recommended for workshops providing diagnostic services, advice, or specialized repairs. It covers claims arising from negligent advice, faulty workmanship, or failure to identify problems during inspections or diagnostics.

Equipment should be valued at replacement cost, not depreciated value. Keep detailed inventories with purchase dates, serial numbers, and current replacement costs. For older equipment, get professional valuations. Update valuations regularly as equipment values change.

If you operate from multiple workshops or provide mobile services, ensure all locations and activities are covered. You may need separate policies for each location or a master policy covering all operations. Inform your insurer about all business activities and locations.

Yes, workshops handle oils, fuels, coolants, and other potentially polluting substances. Pollution liability covers cleanup costs and third-party claims if these substances escape and cause environmental damage. It's particularly important for workshops near waterways or residential areas.

Key person insurance can be added to protect against loss of income if key personnel (like specialist technicians or the business owner) are unable to work due to illness or injury. This is particularly valuable for workshops dependent on specific skills or qualifications.

As more workshops service electric and hybrid vehicles, specialized coverage may be needed. This includes protection for high-voltage equipment, specialized training requirements, and unique risks associated with EV batteries and charging systems.

We can often arrange immediate cover once we have the necessary information about your business. For straightforward cases, cover can start the same day. More complex risks may take 24-48 hours while we gather additional information or arrange surveys.

You'll need business details (address, turnover, number of employees), equipment lists and values, building details (owned/rented, construction type, security), claims history, and details of services provided. Having this information ready speeds up the quotation process.

Yes, policies can usually be adjusted during the term for changes like new equipment purchases, additional staff, or expanded services. Some changes may result in additional premiums or refunds. Always inform your insurer of material changes to maintain coverage.

Standard exclusions typically include wear and tear, gradual deterioration, faulty workmanship on the insured's own work, deliberate acts, war risks, and nuclear risks. Specific exclusions vary by insurer and policy type. We'll explain all exclusions clearly when presenting quotes.

Parts inventory is typically covered under contents insurance, but you may need to specify stock levels and types. Fast-moving stock, seasonal variations, and high-value items may require special consideration. We'll ensure your stock coverage matches your actual inventory levels.

Claims can affect future premiums, but the impact depends on claim frequency, severity, and circumstances. Fault claims typically have more impact than non-fault claims. Many insurers offer no-claims discounts, and some provide claims-free years protection to limit premium increases after a claim.