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Breakdown and Recovery Operator Insurance
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What is Breakdown and Recovery Insurance?
Breakdown and Recovery Operator Insurance, also known as Recovery Operator Insurance or Motor Trade Breakdown and Recovery Insurance, is a specialised type of Motor Trade Insurance. It’s designed for motor traders who recover vehicles and/or repair them at roadside.
You legally must have Recovery Operator Insurance to carry out any recovery/repair work on broken-down vehicles.
We provide quotes for Breakdown and Recovery Insurance to protect any type of vehicle recovery business. Whether you’re self-employed or run a fleet of recovery trucks, we can find you the policy you need at a competitive price.
Levels of cover
Third Party Only (TPO) is the minimum level of cover offered for Breakdown and Recovery Insurance. It covers you if you cause any damage to a third party’s vehicle or cause injury.
Third Party, Fire & Theft (TPFT) includes everything from TPO cover, as well as cover for your vehicle (minus excess) if it’s damaged by fire or stolen.
Comprehensive is the highest level of cover and is generally recommended to all motor traders. It covers everything in TPO and TPFT, and it also covers your vehicle if it becomes damaged.
Additional cover
There are a number of additional policies that you can choose* to take out as part of a Combined Motor Trade Insurance policy. This includes:
- Employers’ liability
- Public liability
- Tools and equipment cover
- Business premises and content cover
- Loading and carriage of vehicles
* You may also be legally required to take out additional policies depending on your business needs, such as Employers’ Liability if you employ staff.
Compare Recovery Operator Insurance with Patons
Looking for the best deal on your Breakdown and Recovery Insurance? Let us help you find it.
Established in 1957, we’re an independent broker specialising in Commercial Motor Insurance. We compare quotes for you from our leading Motor Trade Insurance providers to get you cover that matches your needs.
If you’re looking for competitive prices and outstanding service from someone you can trust, then Patons Insurance is the broker for you. We pride ourselves on our award-winning service and unrivalled local knowledge from teams located throughout the UK.
Getting your Recovery Operator Insurance Quote
Step 1
1. Submit a quick form
Get started on your quote today by filling out the form at the top of this page.
Step 2
2. We’ll contact you
One of our advisors will give you a call to discuss your insurance needs in more detail so we can find the best policy for you.
Step 3
3. Get your quote
We’ll come back to you with our best quote from our panel of trusted insurers.
Why use Patons for your Motor Trade Insurance?
There are many ways you can benefit from taking a policy out through Patons Insurance, these include:
Suitable schemes for any type of Motor Trade business
Wide range of insurers to choose from
Competitive rates
Flexible monthly payments
Expert advice and support
Dedicated specialist Motor Trade Team
Face-to-face or over the phone communication
Secure access to insurance documents online
CompetitiveMotor Trade quotes
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What is Motor Trade Insurance?
Motor Trade Insurance is a specific type of Commercial Motor Insurance. It’s designed to cover all types of motor trade businesses. This includes buying, selling, repairing, customising, collecting, or delivering vehicles.
If you run a motor trade business, you need Motor Trade Insurance to be legally covered to do so.
How much does Breakdown and Recovery Operator Insurance cost?
The cost of Breakdown and Recovery Operator Insurance can vary from business to business. That’s because it depends on a number of factors, including as:
• The size of your business (i.e. whether you’re self-employed or run a fleet)
• The claims history of you and any employees you hire
• The value of the recovery truck(s) you operate
• Where your business premises is located
How can I get cheaper Breakdown and Recovery Operator Insurance?
Depending on your insurance provider, you may be able to take steps to reduce your premium. This could include:
• Building your no claims bonus
• Keeping your vehicles and premises secured with security measures such as CCTV
• Paying for your premium annually instead of monthly to avoid paying interest
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