Car Detailing Insurance
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Low cost car detailing insurance policies
Customers expect perfection when they take their vehicles to car detailing businesses. Through meticulous cleaning from top to bottom and by removing both visible and invisible contaminants, car detailing services will protect all parts of a vehicle, inside and out.
Polishing paintwork, vacuuming interiors, and maintaining a blemish-free finish are just a few of the common car detailing procedures that keep vehicles in their best possible condition.
Car detailing may seem a far cry from the image of oil and grit in a mechanic’s garage, but as a part of the motor trade industry, car detailing businesses face many of the same risks.
How to find best value for car detailing insurance
What does car detailing insurance cover?
Car detailing insurance can include lots of different policy features and add-ons so that you can create a bespoke package of insurance that meets the needs of your business.
As a type of motor trade insurance policy tailored to car detailing businesses, you’ll want to cherry pick from the usual motor trade insurance options and build up protection against the threats that typically face car detailers.
While many insurance features are optional, road risk cover and employers’ liability cover are legal necessities for most motor trade businesses.
Road risk cover
An essential for almost all motor trade businesses, road risk insurance covers you for driving customers’ cars, even if you’re only moving a car from a public road outside your car detailing shop to another spot.
Regardless of the duration of the journey, it’s a legal requirement for you to take out road risk cover if you’ll be operating vehicles that don’t belong to you.
However, it’s not entirely inflexible. You can choose the level of cover that best suits the needs of your business, based on how often you’ll be driving customer vehicles.
The levels of road risk cover mirror the options you’ll recognise from both personal and standard business car insurance policies:
Third party only cover
If you are involved in an accident, this level of road risk insurance will cover the cost of damage to other cars. However, it won’t cover the cost to repair the car you are driving, even if you happen to be operating one of your customer’s vehicles. Third-party insurance provides the minimum level of cover and while it might offer you the cheapest quotes, accidents could end up costing your business a lot more if you have to cover the cost of repairs to your customers’ cars.
Third party, fire and theft cover
Everything covered by third-party only insurance is also covered by third-party, fire and theft, which also provides additional insurance against damage to cars caused by fire, or theft of the vehicles.
The most extensive option for road risk insurance is comprehensive, which covers any damage done to the vehicle you are driving as well as other people’s cars and property. Although this is sometimes the most expensive option, it’s also the safest choice. Many motor trade businesses that do not want to risk paying out for damages to customers’ cars not covered by basic third-party policies will opt for comprehensive cover.
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Liability cover for car detailers
Other types of car detailing cover
How to compare car detailing insurance quotes
It’s impossible to give realistic estimates for the cost of motor trade insurance. This is because it varies so much from business to business, each with their own set of circumstances and varying requirements meaning they add different features into their insurance bundle.
Although there isn’t an average cost for car detailing insurance, a helpful rule to follow is that if you add more optional extras, your quote will become more expensive.
Whilst tailoring your insurance package to meet specific business needs is a great idea, it’s worth taking a realistic look at the risks your business faces and the costs of covering those with insurance. You want your choices to make good business sense, whether you need to claim on your insurance one day or not.
Your road risk policy will also impact the overall price you pay. Choosing between third-party only; third-party, fire and theft; and comprehensive cover for car detailing businesses is much like choosing the level of protection for personal car insurance.
If you feel your business needs comprehensive cover, this would give you the most extensive protection if there was a road accident, but might slightly raise your premium. Compare this with third-party only, the legal minimum. At the other end of the scale, this provides much less protection but might also be cheaper.
You know your business better than anyone, so it’s up to you to consider the risks and choose a level of insurance cover at a cost you’re comfortable with.
How to save money on car detailing insurance with Utility Saving Expert
There’s no question as to whether you need insurance when you work in the motor trade. However, that doesn’t mean your car detailing business needs to pay more than it should.
There are some relatively easy ways to encourage your insurance firms to offer you better quotes. Cutting costs can be achieved by shopping around to keep the market competitive, making sure insurance providers see your business as low risk, and also by making things easier for them. For example:
- Pay up-front: Covering the cost of an entire year’s worth of car detailing insurance in a single annual payment can reduce your overall insurance fee. Monthly payments tend to be more costly for your insurance firm as these can build up additional administrative work. If you can afford to pay for your policy upfront, you’ll get a better deal.
- Get secure: Once of the biggest threats to any motor trade business is criminal activity. Insurance firms will usually be wary of this, but you can put them at ease by reducing the chances of theft and vandalism. Taking steps to improve the security of your business premises and the vehicles you use has the practical benefit of reducing the chances of criminal activity happening. The added financial benefit comes from building trust with your insurance provider, who will view your business as a lesser threat if it is more secure, meaning they will offer you cheaper premiums.
- Insure safe drivers: If you’ll be adding employees to a road risk policy so they can operate customers’ cars, choose wisely. Limit the number of named drivers on your policy to staff who have clean driving licenses, are aged over 25 and have good experience behind the wheel. In return for using safe drivers, your insurance provider will offer you cheaper premiums.
- Compare quotes: Above all else, the simplest way to find cheaper car detailing insurance is to compare quotes before you buy. Shopping around is easy when you use Utility Saving Expert. All you need to do is use the free online comparison tool at UtilitySavingExpert.com and you are guaranteed to get the best value for money.
Find the cheapest deals for car detailing insurance now.