Tyre fitters are skilled tradesmen who work in environments with a range of hazards, and the extent of this may not be fully appreciated by people outside of the motor trade industry.
As a tyre fitter, you’ll often find yourself working underneath or to the side of heavy vehicles. If an accident happens, it could have serious consequences. You need sufficient insurance cover in place to help off-set some of those risks.
Tyre fitter cover is a type of motor trade insurance policy that can be tailored to suit your circumstances. Usually, this involves road risk cover and employers’ liability cover at a minimum because these are legal requirements if you will be operating vehicles that don’t belong to you or if you employ staff.
However, many businesses will also take out public liability cover and product liability cover to protect their business in case it is taken to court or asked to pay compensation fees. Additionally, there are a number of other types of motor trade insurance that you can add into your policy to ensure your tyre fitting business is adequately covered.
Most tyre fitters will want to take out combined motor traders’ insurance. This usually includes essential road risk cover and a package of other insurance policies that is tailored to you.
As with other types of motor trade insurance, the extent of your coverage can be scaled up or down depending on your needs.
Road risk cover: Enables you to drive vehicles that don’t belong to you for the purpose of running a motor trade, including your customer vehicles. If you’ll be operating other people’s vehicles on public roads, this cover is required by law. Like with personal car insurance, there are three levels of cover to choose from:
Employers liability insurance: Protects your business if one of your employees has an accident at work or becomes unwell because of work activities. It covers your business in case it is taken to court and pays out if your employee wins a compensation claim. This cover is a legal requirement if you employ staff, regardless of their role within your business. This means that if you employ anyone to fit tyres, manage your office, clean the premises or provide admin support, you need employers’ liability insurance.
Product liability cover: Covers you in case a product you fit, like a tyre, is damaged or faulty and causes an accident. Without this type of cover, you could be liable for damages even if you haven't manufactured the product. This is also known as sales and service indemnity cover and is well suited to the nature of your work as a tyre fitter.
Public liability insurance: Protects your business against any claims made by a member of the public if they are injured on your business premises. Although not a legal requirement, this could be useful if your business has regular contact the public within your motor trade work environment.
Defective workmanship: Protects you in case workmanship is not up to standard and causes an accident. This faulty work might mean the quality of the work is flawed or the process was flawed, and could be a crucial lifeline if a tyre you fitted later comes off and causes damage.
Engineering inspection cover: Safeguards your livelihood by ensuring your equipment is working at safe standards, while keeping your business legally compliant.
Tools and equipment insurance: Protects your tools or the trade and any machinery or equipment used for your tyre fitting activities and ensures these will be replaced if they are lost, stolen or damaged.
Goods in transit insurance: Covers goods such as tyres that are being moved from one location to another against loss or damage.
Stock insurance cover: Replaces your stock of tyres or other items if they are lost, stolen or damaged.
Business interruption cover: Helps your business if there is a loss of income because of a disaster that causes you to shut your business temporarily.
Uninsured loss recovery: Helps you claim back expenses from an accident that was not your fault.
Business premises insurance: Covers the premises you use for business activities, much in the same way you take out building insurance for your home. This means that if there is damage to the property, your insurance can pay to fix it.
Contents insurance: Covers the goods inside your office building such as computers and furniture. If these are stolen or damaged, you can use your contents insurance to replace them.
Tyre fitter insurance helps you reduce the risks you face in your trade.
All insurance products provide a safety nets, whether they are related to work, travel, your home or another area of your life. In that respect, tyre fitter cover is no different. It helps protect you against the dangers of working in the automotive business.
Accidents can happen in any business environment, but if accidents happen in a garage, the risks are greater. Just like for most other motor trades, if something goes wrong it can be dangerous and very costly.
Tyre fitter insurance gives your business protection when you need it.
When you’re looking for tyre fitter cover, you’re guaranteed to find the best possible value for money by shopping around before you make your decision.
Compare quotes for free using Utility Saving Expert. Add some details about you and your business into our online comparison tool and you can browse through the cheapest deals and find insurance cover that reflects your needs, quickly and easily.
Choose your package of motor trade insurance to reflect your needs as a tyre fitter. Ensuring you have an appropriate level of insurance in place means your business is covered against mishaps and accidents, so business activities can continue running as smoothly as possible even if something unexpected happens.