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MOT Station Insurance

Cover for service and repair garages with MOT testing, and standalone MOT stations

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MOT Station Insurance

MOT stations ensure that our roads are safer, assessing vehicle maintenance and making sure vehicles that aren’t fit for purpose cannot be driven. This specialist work requires insurance that responds to your unique requirements, from cover for your premises, tools and equipment, right through to cover for your licence to carry out MOT work.

Kingfisher values the work that MOT stations do, and our expert team will look to visit your business to ensure that your motor trade insurance covers the key areas of work that you undertake.

What does MOT station insurance cover?

The specific risks faced by MOT stations can be covered with :

  • MOT station premises insurance
  • Diagnostic tools and equipment cover
  • Employers’ Liability insurance
  • Public Liability insurance
  • Service indemnity (also known as defective workmanship cover)
  • Money cover and key cover
  • Loss of MOT licence cover
  • Directors’ and Officers’ insurance (also known as Management Liability cover)
  • Engineering inspection cover
  • Business interruption insurance
  • Stock of vehicle cover

We will take the time to visit you and understand your needs, to provide a policy that is tailored to your business – so you can sleep easy at night.

Service and repair garage premises

Why choose Kingfisher for Vehicle recovery operator insurance?

Nationwide Coverage

We visit premises across the UK

Personal service

From a dedicated team of motor trade insurance experts

Product coverage

Whatever your motor trade, we’ll seek insurance for your needs


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Frequently Asked Questions

What tools and equipment are covered by MOT garage insurance?

With traders combined cover, you can get insurance for both your buildings and their contents. MOT stations with diagnostic equipment, machinery, plant, and tools, can be covered for these expensive items. A Kingfisher account executive can visit you and advise on the items to be covered, working with you to assess their value.

Who can get MOT station insurance?

Any business that has a licence to carry out MOTs and an authorised examiner can request a quote for MOT station insurance. You will need a well-maintained MOT testing facility to carry out your work.

What specialist motor trade insurance is needed by MOT stations?

Engineering inspection cover is important to ensure that the equipment you use – such as ramps and lifting tables – are appropriately maintained and meet Health and Safety at Work Act requirements. MOT loss of licence cover is also worthwhile in the event that you should lose your licence to carry out MOTs, as this can be an essential part of your motor trade business.

Explore Our Motor Trade Insurance Products

Specialist insurance for vehicle recovery operators

Cover for garages, MOT stations, vehicle restorers and more

Cover for traders of all sizes, from local traders to dealerships

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MT Quote

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Motor Trade Insurance – News & Insights