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Garage Insurance

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Garage Insurance Coverage

If you have a garage, you will be driving your customers’ vehicles to diagnose faults, MOT testing, and other trade-related matters. Any general commercial insurance coverage is not likely to provide adequate coverage for the risk you undertake and that is why you need a garage insurance policy At MotorTradeInsuranceSolutions, we ensure you get the right garage coverage based on your motor trading requirements.

Our Garage Insurance Coverage Plans

We provide our customers with two types of garage insurance coverage policies, namely Road Risk Policy and Combined Premises Policy.

Road Risk Policy: If you drive your customers’ vehicles and work out of your home, you need Road Risk Policy. It covers you against accidental damage, vandalism, theft, and fire. You can drive your customers’ vehicles without worries if you have this garage auto insurance.

Combined Premises Policy:This particular policy is for you if your work address is different from your home address. In other words, you have a professional garage where you tend to your customers vehicles. The Combined Premises Policy protects not just the vehicles, but also the building from theft, vandalism, and damage.


What’s a Garage Insurance Coverage?

If you are vehicle holic person, who likes all forms and shaped vehicles, and happened to on an auto repair business or auto dealership, then congratulations! You are going to be paid for this, what you love because you are the person, for whom living the dream is all about. But, how can you be so sure that the dream will not become a nightmare ever? From the perspective of finance, one most important thing you can do is to keep your dream insured, to protect yourself and your garage dealership against negative circumstances, and here’s a garage policy takes place as a coverage of your vehicle.

What's the garage policy for?

A garage policy is designed to protect trailer, auto and recreational vehicle dealers who offer body shop or service department, where they repair the vehicles. The garage policy is quite road dealership, as well as the policy can be applied to speciality shops, collision repair facilities, velvet service, service stations, and parking garage. Perhaps, many facilities in which a customer's vehicle is left in your control and care, the garage policy comes in.

Each of these facilities have major risk in common, and for those vehicles that customers leaves in your care the possibility of damage becomes higher. One must think about it for a moment - if one of your staff would crash a customer's vehicle in the process of test driving it after repair, who would be liable if any damage occurs? Of course your dealership or garage and unfortunately your commercial general liability policy will never cover that, it only covers bodily injury on your premises and defective products.

Similarly, customers vehicle insurance does not ensure carriages while they operate or are in custody or control of the customers vehicle. It might left you in a quandary, except that the insurance industry has designed a specific product that is intended solely to cover the garages, in order to ensure their unique needs.

What a garage insurance policy covers?

The garage policy covers ability exposure to a damage of customers vehicle like cars, truck, motorcycle, trailer, truck tractor, recreational vehicles and extends to any of your employees are active partners that you have listed on your application with the insurance company. With such coverage in place, one can breathe a lot more easier, knowing that the expensive damage will not set you back financially as well as won't be able to affect your ability to continue the your business.

Main features of garage policy!

The garage policy is multi-pronged, which covers normal garage consideration and liable for damage to customers vehicles, while they are on your premises or while they are not on your premises but in your custody or care; like for an example, when any vehicle is taken to the test drive or for the delivery to their customers after the service has been completed on them. And the second aspect of the garage policy covers the damage caused by garage box like for example, if you worked on the clutch or breaks of the vehicle but something was not installed properly and then it leads to the an accident, this could lead to liability on your part. In such case also a garage policy would protect you as well as it covers your stock and your own vehicles.

Features and Benefits of Our Garage Policy Coverage

Whether your trade involves MOT testing, car servicing or car repairs, it is necessary you have the right garage insurance coverage. Our experienced and knowledgeable team of MotorTradeInsurance experts will guide you to choose the best possible garage insurance quotes.

We offer competitive premiums, flexibility terms, and outstanding customer service to ensure you enjoy the benefits of your chosen garage policy coverage without any hassle. Our policies are specifically designed for garage owners and hence, you will be able to find one policy that best suits your business requirements.

Our Garage Policy Coverage Offers The Following:

  • Liability coverage
  • Cover for work and parts that you fit into the vehicle
  • Cover for moving customer vehicles
  • Building and building contents cover
  • Public liability coverage
  • Drivers with convictions
  • Coverage for mobile drivers
  • Multiple driver cover

If you would like to learn more about the cover our garage insurance offers, get in touch with us right away.

Why Choose MotorTradeInsuranceSolutions?

If you are wondering why you should opt for garage insurance coverage from MotorTradeInsuranceSolutions, here are some compelling reasons that will convince you:

  • We work with a number of garage insurance companies
  • We provide flexible payment options
  • We cover part-time and full-time garage owners
  • Our customer service is outstanding and makes you feel special and important
  • We possess more than 18 years of experience in this field
  • Our account executives and account managers are trained, well-informed and highly experienced
The product covers the following areas:
  • Material Damage
  • Business Interruption
  • Goods In Transit
  • Vehicles In Transit
  • Loss of Business Money
  • Wrongful Conversion
  • Employers Liability
  • Public Liability
  • Defective Workmanship
  • Road Risks
  • Commer. Legal Expenses
  • Personal Accident
  • Directors’ & Officers
  • Professional Indemnity
Quick Contact

Motor Trade Insurance Solutions

29, Dingwall Road, Croydon, CR0 2NB, UK.

Tel : 020 8256 1000

Copyright @ Motorinsurance ltd 2015-2018.
All right reserved.

Motor Trade Insurance Solution is a trading name of RA Insurance Brokers Limited. Authorised and regulated by the Financial Conduct Authority. Reference 310759. Registered in England No 03248029.