Tyre fitter
insurance
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Insure your tyre fitter business with zero hassle
As a tyre fitter, your work involves handling customer vehicles, specialised tools, and potentially hazardous equipment, making tailored insurance essential.
In partnership with some of the leading UK insurers, we’ll not only get you a better tyre fitter insurance deal with the best cover available, we will work hard to keep you as a customer year after year.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a tyre fitter.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable motor trade insurance prices.
With over 50 years of experience providing top-quality insurance for the motor trade, you can be sure we’ve got you covered.
What is tyre fitter insurance?
Tyre fitter insurance is a motor trade policy that protects your tools, equipment, and liabilities, whether you operate from a garage or offer mobile services.
Motor trade insurance is not just a legal requirement for many businesses but also a crucial risk management tool. Without proper insurance, a business could face significant financial losses from accidents, theft, or damages. Here are some key reasons why cover insurance is vital:
- Legal compliance: Meets legal requirements for liability, vehicle use, and workplace safety, reducing the risk of fines.
- Financial protection: Covers incidents like damage to customer vehicles, theft of tools, or public liability claims.
- Peace of mind: Lets you provide services without worrying about unexpected accidents or equipment loss.
Types of cover
Road risk insurance
Road risk insurance is a fundamental component of motor trade cover, including tyre fitters. It allows traders to legally drive vehicles on public roads for purposes such as test drives, deliveries, or customer collections. There are three levels of road risk cover:
- Third-party only (TPO): Covers damage to other people’s property or injury to others. It’s the minimum legal requirement.
- Third-party, fire and theft (TPFT): Includes TPO cover and adds protection against fire damage and theft of vehicles.
- Comprehensive: Offers the highest level of protection, covering third-party risks, fire, theft, and damage to the trader’s vehicles.
Combined insurance
Combined motor trade insurance provides broader cover, encompassing road risks and additional protections such as:
- Business interruption: Provides income support during downtime.
- Premises insurance: Protects business premises against risks like fire, theft, and damage.
- Material damage: Protection for vehicles in your care.
- Employer’s liability: Mandatory for businesses with employees, covering workplace injuries or illnesses.
- Public liability: Covers claims for injury or damage during tyre fitting.
- Tools and equipment: Cover for machinery like jacks, compressors, and balancers.
- Extra drivers: Cover for employees who may be driving customers’ cars.
How much does tyre fitter insurance cost?
Typically, tyre fitter insurance premiums can vary, influenced by the cover level and specific details of your business.
Key factors affecting how much motor trade insurance costs:
Type of cover
Is the level of cover selected third-party only (TPO), third-party, fire and theft (TPFT) or comprehensive.
Nature of business
Mobile services or fitting heavy-duty tyres may result in higher premiums vs operating from a fixed location.
Location and security
Secure storage for equipment and vehicles can lower costs while working in high-risk areas may increase them.
Vehicles covered
Costs depend on whether you work with standard vehicles, classic cars or larger ones like trucks and buses.
Driver details
Driving history, experience, and the number of drivers covered under the policy all influence costs.
Policy customisation
Adding protection for tools, equipment, or public liability can increase costs but ensures adequate cover.
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