Tyre Fitters Insurance
The ultimate guide to motor trade insurance (MTI) for tyre fitters
If you’re wondering whether you need motor trade insurance for your tyre fitting business, you’ve come to the right place! Read ahead for answers to some of our most commonly asked questions. When you’re ready for a quote, simply complete the form to the right.
What is motor trade insurance?
Motor trade insurance is a specific type of vehicle insurance designed to cover those working in the motor trade industry. It provides cover for your business, your employees, and your customers.
What is tyre fitters insurance?
Tyre fitters insurance is a specific type of motor trade insurance for tyre fitting businesses.
Do I need tyre fitters insurance?
If your business is responsible for fitting tyres, it is strongly recommended that you have specialist tyre fitters insurance. Without it, you could be liable for any costs relating to damage caused to vehicles in your care, or claims relating to injuries of customers or employees that relate to your business.
What does insurance for tyre fitters cover me for?
When you’re fitting tyres, a lot can go wrong, even if you have the best employees for the job. The tyres could be fitted incorrectly, they could be set to the wrong pressure level, or the wrong type of tyre could be fitted. Things can also go wrong that you would deem to be out of your control, but would still be liable for. For example, your employees may unknowingly fit a faulty tyre.
Any of these things could cause an accident. In the event of an accident, you would be liable for all costs relating to the damage of the car, as well as any potential injury claims. This can be very expensive, particularly for small businesses who cannot afford to pay out large sums of money to replace cars or settle court claims.
Additionally, damage can occasionally be caused to the cars whilst they are in your possession. This is not always the fault of your employees, but you would be liable for any costs. Likewise, if an employee were to injure themselves whilst working for you, they could pursue a claim against you.
Insurance for tyre fitters could cover you for all of the above, giving you peace of mind when it comes to your business finances.
What is meant by public liability insurance?
In the current blame culture, people are always looking to point the finger. If an accident occurs after someone has paid for your tyre fitting services, or any damage is caused to their vehicle whilst it’s in your care, your customers and members of the public could pursue you for compensation. Public liability ensures that both you and your employees are covered in the event of a claim.
What is meant by employer’s liability insurance?
Unfortunately, we live in a society where is has become normal to pursue a compensation claim in the event of an accident. This can apply to your employees as well as your customers. Employer’s liability insurance covers you for both the legal expenses and the cost of a claim, should one arise.
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