What Is Tyre Fitter Insurance And What Does It Cover?
A Tyre Fitter insurance policy caters for everything you would need as part of your profession. It has 3 levels of cover; third party only, third party, fire & theft and comprehensive. There is also Employers’, Public and Product Liability insurance that you may need - with Employers’ Liability insurance being required by law if you have anyone working for you.
Tyre Fitter Insurance Explained
Having insurance is compulsory; as to what level you have on the other hand is up to you. It is worth thinking of all of the factors that could pose a problem to your business. For example, third party only is exactly that, you will only be covered for third party vehicles that are damaged, and not your own. Third party, fire & theft or comprehensive are recommended if your own vehicles are an important part of your business. If you have any employees working for you, whether they be fitting the tyres or other items such as exhausts, providing office / admin support or even cleaning your premises, you will be required by law to take out Employers’ Liability insurance. This protects you against any claims made as a result of an employee falling ill, getting injured or even dying as a consequence of business activity.
Similarly, Public Liability offers the same protection but for members of the public visiting your premises. Public Liability is not required by law, but if your business has any contact with members of the public whatsoever then it is advised, as even a trip on an uneven surface could lead to a costly claim after legal fees. Due to the nature of the work you may carry out as a tyre fitter, it is also recommended that you take out Product Liability insurance. This will cover the work you do to a customer’s vehicle in the event that something should go wrong. For example, if a tyre you fitted comes off and damages the customer’s vehicle, your insurance would have it covered.
If you operate from a business premises, you may wish to opt for a Motor Trade Combined policy. The added benefit of this is that you can add things like buildings and contents insurance so that you can cover any damage to your building, tools machinery, all of which will be essential to keeping the business running. Business Interruption cover, which compensates you for income lost during a period of downtime such as machinery failure, theft, or vehicle damage. You can also protect money that is kept at your business premises and much more.
Here is a recap:
- Full or Part Time Cover
- Third Party Cover
- Third Party, Fire & Theft Cover
- Comprehensive Cover
- Employers’ Liability Cover
- Public Liability Cover
- Product Liability Cover
- Motor Trade Combined
- Business & Contents Cover
- Business Interruption Cover
- Goods In Transit Cover
- Tools & Equipment Cover
How To Get A Quote?
Want to find out more, speak to an expert or get a Tyre Fitter insurance quote? Call our specialist team on 0800 221 8077 or click Get a Quote below to find out how much you could save.