Think Insurance, UK, Walsall
A Vehicle Broken Down On The Side Of The Road Getting Fixed

What is Vehicle Recovery Insurance?

Find out more about Vehicle Recovery insurance and what it covers.

What Is Vehicle Recovery Insurance And What Does It Cover?

Vehicle Recovery Insurance is a policy specifically put together for Breakdown & Recovery service providers whether you are working full or part time. It can cover your vehicles and third party vehicles that you are towing, transporting or working on.

women broken down

Vehicle Recovery Insurance Explained

A Vehicle Recovery insurance policy is a Motor Trade insurance policy tailored to your business’s specific needs. It recognises your profession and enables you to trade safe in the knowledge that you have everything in place that you require. 

There are three levels of cover to this policy; third party only, third party, fire & theft and comprehensive. As you may already be aware, third party only covers damage to third party vehicles only; Third party, fire & theft covers all third party vehicles and then fire & theft of your own; and comprehensive covers all of the above plus any damage caused to your vehicles too. 

You will also need Employers’ Liability insurance, even if you have just one employee, regardless of their position - it is required by law. This covers you and your employees if they were to have an accident, suffer an injury or even die as a result of the work they are carrying out for your business. 

An optional but recommended extra would be Public Liability insurance. This covers members of the public for accidents, injuries or death and can also cover damage to their property that may be caused due to your business activities. 

broken down car vector

Here’s a summary of the cover available:

  • Third Party Cover
  • Third Party, Fire & Theft Cover
  • Comprehensive Cover
  • Employers’ Liability Cover
  • Public Liability Cover
  • Vehicle Recovery Cover

How To Get A Quote?

Want to find out more, speak to an expert or get a Vehicle Recovery insurance quote? Call our specialist team on 0330 127 4100 or click Get a Quote below to find out how much you could save.