MOT Station Insurance
Specialist insurance for MOT test centres, garages and vehicle inspection businesses
Specialist insurance for standalone MOT test centres and garages with MOT testing facilities
MOT garages play a vital role in keeping vehicles roadworthy and compliant, but the work comes with unique risks. From protecting specialist diagnostic equipment and customer vehicles to safeguarding your business against defective workmanship claims and loss of MOT licence, having the right insurance is essential.
At Kingfisher Insurance, we understand the challenges MOT businesses face. Whether you operate a dedicated MOT garage or incorporate MOT testing within a wider motor trade business, our specialist motor trade team can help arrange tailored insurance that’s designed around your business.
What Does MOT Station Insurance Cover?
Every MOT garage operates differently, which is why we tailor your cover specifically to the needs of your business. This may include:
- MOT station premises insurance
- Public Liability insurance
- Employers’ Liability insurance
- Road risks insurance
- Diagnostic and MOT testing equipment cover
- Defective workmanship and service indemnity cover
- Stock of vehicles cover
- Business interruption insurance
- Money and key cover
- Engineering inspection cover
- Directors & Officers’ insurance
- Loss of MOT licence cover
Our experienced team takes the time to understand your business, helping ensure you have suitable cover in place for your premises, equipment, employees and day-to-day operations.
Why Do MOT Stations Need Specialist Insurance?
MOT garages are responsible for assessing vehicle safety and roadworthiness. Unlike many other businesses, this creates exposures that often require specialist motor trade cover.
Having a policy tailored to your MOT business can help protect you against:
- Claims that arise from testing errors
- Damage to customer vehicles
- Theft or loss of specialist equipment
- Employee accidents and injuries
- Property damage at your premises
- Temporary business closure due to an insured event
- Financial losses associated with the suspension of an MOT licence.
Having a motor trade insurance policy designed for MOT businesses can provide you with peace of mind that your business is protected should the unexpected happen. That’s why we take the time to visit you and understand your needs.
Why Choose Kingfisher for MOT Station Insurance?
Nationwide Coverage
We visit businesses across the UK to better understand your operations and insurance needs.
Specialist Motor Trade Expertise
From a dedicated team that understand the challenges you face.
Tailored Insurance Solutions
We work to arrange cover that reflects your individual business needs.
Frequently Asked Questions
What is MOT station insurance?
MOT station insurance is specialist motor trade insurance designed for businesses that carry out MOT testing. It can include cover for premises, equipment, liabilities, customer vehicles and specialist risks associated with MOT operations.
Who needs MOT station insurance?
Any business that’s authorised to conduct MOT testing should consider specialist insurance. This includes standalone MOT stations, service and repair garages, vehicle maintenance centres and fast-fit businesses that offer MOT testing.
Does MOT station insurance cover MOT testing equipment?
We can often arrange cover for specialist equipment, including vehicle lifts, emissions testing equipment, brake testers, diagnostic equipment, and other tools essential to your business operations.
What is loss of MOT licence insurance?
Loss of MOT licence insurance can help protect your business financially if your MOT authorisation is suspended or removed, resulting in a loss of income from MOT testing activities.
Do I need Employers’ Liability insurance?
If you employ staff, it is generally a legal requirement to have Employers’ Liability insurance, as it helps protect your business against claims arising from workplace injuries or illnesses.
Can MOT station insurance cover customer vehicles?
Yes. Depending on the cover you select, insurance can be arranged for vehicles in your custody or control whilst they are being tested, serviced or repaired at your premises.
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