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Body Shop Insurance
If you run a body shop, crash repair centre or vehicle body repair business, arranging appropriate Body Shop Insurance is an important part of protecting your business. Whether you operate from dedicated commercial premises or a smaller workshop, having insurance that reflects the work you carry out can help protect your business against a range of insured risks.
At 1st Choice Insurance, we help body shops, panel beaters, vehicle repair centres and motor trade businesses arrange specialist insurance through a panel of UK insurers. Our experienced team will take the time to understand your business and explain the insurance options available, helping you find cover that’s appropriate for you.
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If you’re looking for Body Shop Insurance or Crash Repair Insurance, our team is here to help.
Call 03301 081615 for a no-obligation quote or use our quote form below to request a call back.
What is Body Shop Insurance?
Body Shop Insurance (sometimes referred to as Body Repair Insurance or Auto Body Insurance) is specialist motor trade insurance designed for businesses that repair, restore or refinish vehicles.
Whether your business carries out accident repairs, panel replacement, paintwork, dent removal, welding or cosmetic vehicle repairs, your day-to-day activities present different risks from many other motor trade businesses.
Depending on the policy selected, Body Shop Insurance can help protect your business against risks such as damage to customer vehicles, theft, fire, accidental damage, liability claims and business interruption following an insured event.
Rather than arranging several separate policies, many businesses choose a combined motor trade insurance policy that can include a range of covers under one policy, making insurance simpler to manage.
Who needs Body Shop Insurance?
Body Shop Insurance may be suitable for businesses involved in vehicle body repairs, accident damage restoration and cosmetic vehicle repairs.
This can include:
• Body shops
• Crash repair centres
• Panel beaters
• Vehicle paint shops
• SMART repair businesses
• Alloy wheel refurbishment businesses
• Dent removal specialists
• Vehicle restoration workshops
• Mobile body repair businesses
Whether you operate as a sole trader, partnership or limited company, the insurance required will depend on the work you undertake, the premises you occupy and the services you provide.
Benefits of Body Repairs Insurance
Body Shop Insurance is designed specifically for businesses involved in vehicle repairs and refinishing.
Depending on the policy selected, benefits may include:
• Insurance tailored to vehicle repair businesses
• Protection for customer vehicles while in your custody or control
• Cover for tools, machinery and workshop equipment
• Public and Employers’ Liability Insurance options
• Business Interruption cover following certain insured events
• Flexible cover for businesses of different sizes
• The convenience of arranging multiple covers under one policy
What Can Body Shop Insurance Include?
Road Risks Insurance Cover – this is the most basic level of cover for motor trade and allows you to drive any of your own personal vehicles; plus, for motor trade purposes only, customer vehicles. There are three levels of cover to choose from: Comprehensive, Third Party Fire & Theft and Third Party Only. You can also cover trade plates, additional business occupation and demonstration cover.
Combined Motor Traders Insurance – this is Road Risks Cover plus a tailored range of additional insurances to protect a business/trader in the event of a claim or loss. This type of insurance is very much dependent on the individual business. Types of cover you may wish to consider could include:
- Employers’ Liability
- Public Liability
- Professional Liability
- Sales & Service Liability
- Engineering Inspection
- Loss of Licence
- Stock
- Uninsured Loss Recovery
- Defective Workmanship
- Variable levels of indemnity
- Premises, plant and tool cover (including on-premises cash, stock, office contents, machinery, tools, buildings)
- Additional use for other business occupations
- Business Interruption
- Goods in Transit
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