Service and Repair Garage Insurance
Tailored motor trade insurance for garages, workshops, and MOT testing stations.
Motor Trade Insurance for Garages, Workshops and MOT Testing Stations
Running a service and repair garage comes with unique risks. From working on customer vehicles and operating specialist equipment to managing employees and meeting regulatory requirements, one unexpected incident can have significant financial consequences.
At Kingfisher Insurance, we help garages, MOT stations and vehicle repair businesses arrange tailored motor trade insurance that is designed to protect their premises, people, equipment and reputation.
Protecting Your Garage Business
Whether you’re carrying out routine servicing, diagnostics, MOT testing, mechanical repairs or specialist vehicle work, your business faces a variety of exposures, including:
- Damage to customer vehicles
- Theft of tools, equipment or stock
- Employer and public liability claims
- Fire, flood or storm damage
- Defective workmanship claims
- Eqipment breakdown
- Loss of MOT licence
- Business interruption following an insured event.
Our experienced motor trade insurance specialists will help identify the covers your business needs and tailor a solution around your operation and risks.
What’s Typically Covered?
We understand that insurance requirements often vary between garages, but cover can typically include:
Road Risks Insurance: Allows you and authorised employees to drive vehicles in connection with your business.
Employers’ Liability Insurance: Protects your business against claims from employees injured or becoming ill through their work.
Tools & Equipment Cover: Covers garage tools, machinery, diagnostic equipment, and specialist workshop equipment.
Product Liability & Defective Workmanship Cover: Protection against claims arising from parts supplied or repair work carried out.
Motor Trade Combined Insurance: A package policy that covers your premises, equipment, stock and liabilities.
Public Liability Insurance: Protection if a third party suffers injury or property damage linked to your business operations.
Engineering Inspection Cover: Supports legal inspection requirements for lifting equipment and pressure systems.
MOT Loss of Licence Cover: Optional protection if your MOT testing licence is suspended.
Insurance for Hybrid & Electric Vehicle Garages
We understand the importance of supporting the next generation of vehicle repairs. With the number of electric and hybrid vehicles continuing to grow, many garages are expanding their services to include EV maintenance and repairs.
Working on high-voltage systems can introduce a new set of risks and specialist equipment requirements. Our team understands the changing nature of the motor trade sector and can help source insurance solutions for garages carrying out EV servicing, diagnostics and repairs.
Who Is Service and Repair Garage Insurance For?
We can help arrange insurance for a wide range of motor trade businesses, including:
- Independent service garages
- Vehicle repair workshops
- MOT testing stations
- Fast-fit centres
- Auto electrical specialists
- Hybrid and electric vehicle repair garages
- Mobile mechanics
- And more.
Whether you’re a sole trader or operate a larger workshop with multiple technicians, we will work with you to find suitable cover for your needs.
Why Choose Kingfisher Insurance for Service and Repair Garage 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.
Frequently Asked Questions
What insurance does a service and repair garage need?
Most garages require a combination of road risk insurance, employers’ liability insurance, public liability insurance and motor trade combined insurance. The cover you need will depend on your business activities, premises, and workforce. We will explain these covers and why you may need them, so you can make an informed decision when purchasing insurance.
How much does service and repair garage insurance cost?
Premiums vary depending on factors such as turnover, claims history, number of employees, security measures, business activities and the level of cover required. We will work with you to determine the appropriate level of cover for your business.
Do I need insurance for customers’ vehicles while they are on my premises?
Yes. Garages should consider covering vehicles in their care, custody, and control to help protect against accidental damage, theft, or loss while vehicles are in their possession.
Can you insure MOT testing stations?
Yes. We can arrange insurance for garages that undertake MOT testing, including optional MOT loss of licence cover where appropriate.
Can I insure my tools and diagnostic equipment?
Yes. Cover can often be arranged for essential workshop tools, diagnostic systems and garage machinery.
Do you provide insurance for mobile mechanics?
Yes. We can help arrange insurance for mobile mechanics and businesses that carry out work away from fixed premises.
Explore Our Motor Trade Insurance Products
Specialist insurance with a traditional, personal service
Cover for garages with MOT testing services
Cover for traders of all sizes, from local traders to dealerships
