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MOT Station Insurance

MOT stations are among the most tightly regulated businesses within the motor trade. As well as all the usual risks of running a motor trade business, garages who offer an MOT service require more protection against loss of their licenses. Only a comprehensive MOT station insurance policy can give you complete peace of mind.

It’s the whole hog! The real deal! MOT Stations are unique and it can seem like a nightmare to find the right MOT station insurance cover for your business. Let us take care of searching our panel of insurers for you to find your perfect policy and save you time and money!

What is MOT station insurance?

MOT station insurance, also known as MOT garage insurance, provides specialised motor trade coverage that is designed to protect MOT stations and their licenses. While regular motor trade insurance covers a wide range of businesses, from mobile mechanics and tyre fitters through to large service centres, MOT station insurance is tailored to the needs of MOT businesses.

Many of the protections needed by MOT stations are similar to those required by other auto businesses, with extra care needed for things like road risk insurance, public liability, and professional indemnity. You can get an MOT insurance quote from 1st Choice Insurance in the UK.

READ: 5 Pitfalls of MOT Stations ‘Renewing’ their Motor Trade Insurance

Who needs MOT station insurance?

MOT testing station insurance is designed to protect MOT stations and their customers. This highly regulated sector of the automotive industry requires special attention, with businesses at danger of losing their licenses if appropriate coverage is not provided.

Along with standard motor trade coverage such as road risk, tools and equipment, and business premises insurance, MOT station insurance also provides cover against the loss of your MOT license. Unlike other motor trade businesses in less regulated sectors of the industry, this is crucial to ensure ongoing day-to-day operation.

MOT garage insurance is a specially tailored policy that has been designed to give you peace of mind. While you can purchase individual insurance contracts such as commercial property insurance and public liability, this can be expensive, complicated and highly risky.

By taking out a combined motor trade policy that specialises in MOT stations, you can ensure that you and your customers are protected. Instead of wasting time on multiple insurance contracts or worrying about your coverage, you can spend your time and energy generating income for your business.

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Benefits of MOT station insurance

MOT stations need to abide by a number of rules and regulations, with test stations requiring suitable premise, approved equipment, authorised examiners, and appropriate licenses. In order to obtain the correct license, the MOT manager needs to take an approved course such as the DVSA course or the MOT Test Centre Management course.

MOT station insurance helps you to keep hold of this valuable license if any problems arise with public or employer’s liability. Our dedicated MOT garage insurance policies can also help you to save money, with combined traders insurance normally more affordable and flexible than multiple insurance contracts. An MOT insurance quote is available from 1st Choice Insurance.

What types of MOT Station Insurance can we offer?

With a friendly and knowledgeable sales team, we will make sure that you can make an informed choice and explore all the options available to you. We can advise on the best level and type of MOT Station Insurance cover, including:

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, and, 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 – does what it says on the tin! 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

Get MOT Station Insurance Today!

If you run a garage that offers an MOT service and are looking for MOT garage insurance cover that you can trust, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 – 0300 600 0603 for a no obligation MOT Station Insurance quotation or use our Get a Quote Form to request a call back.