Give us a call:
0333 015 6886
Monday–Friday 09:00–17:00
Body Shop Insurance
Start your quote
What is Body Shop Insurance?
Body Shop Insurance is a specialised type of Motor Trade Insurance. It’s specifically designed for body shop repair businesses who carry out a wide range of work on cars, from paint spraying and fitting parts to panel beating and replacing windscreens.
You may have also heard it referred to as Body Repair Insurance or Auto Repair Insurance.
If you carry out body repair work on vehicles, you need to be covered by insurance to legally do so.
Whether you’re a SMART repairer doing smaller jobs on the road, or a technician trading from a body shop premises, we can find you the level of cover you need. Start your quote with us by filling out our online form or giving us a call on 0333 015 6886.
Motor Trade Insurance for body shop repair businesses
Shopping around for insurance on your own can be a hassle when you’re already busy managing the ins and outs of your business – but you don’t have to juggle it all alone. Using a trusted, independent broker like Patons Insurance could save you time and money.
Our award-winning team of commercial motor insurance experts take the time to understand your individual needs and compare quotes for you. We use our panel of trusted insurance providers to help you get the cover you need at a price that’s right for you.
Finding the right Body Shop Insurance is essential for protecting your livelihood and ensuring that your business is legally compliant. Let us sort the insurance part for you so you can focus on doing what you do best.
Levels of cover for Body Shop Insurance
Most Motor Trade Insurance policies include Road Risk Insurance. There are three levels of cover you can take out for Road Risk Insurance:
Third Party Only (TPO) – the lowest level of cover available. It will cover you if you cause damage to someone else’s vehicle or injure a third party in a fault accident.
Third Party, Fire and Theft (TPFT) – covers everything included in TPO and covers you if the vehicles you own are stolen or damaged by fire.
Comprehensive – can cover you in most accident scenarios, as well as damage to your own vehicles. It’s the highest level of cover you can take out and is generally recommended for the most protection.
Additional cover for Body Shop Insurance
You can also take out additional policies specific to your business needs as part of a Combined Motor Trade Insurance policy, such as:
- Business premises cover
- Business interruption cover
- Tools and equipment cover (either in transit or onsite)
- Employers’ liability insurance
- Public liability insurance
- Management liability insurance
- MOT loss of licence cover
- Service indemnity cover
- Engineering inspection cover
Getting your Body Shop Insurance quote
Step 1
1. Fill out the form
We’ll need some initial details about you and your business to get started.
Step 2
2. We’ll call you
You’ll then get a call from us so that we can discuss your specific needs in more detail so we can find the best policy for you.
Step 3
3. Get your quote
Once we’ve contacted our panel of insurers and compared offers, we’ll get back to you with our best quote.
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
FlexibleMonthly payments
GetExpert advice
FAQs
What is Motor Trade Insurance?
Motor Trade Insurance is a specialised type of commercial motor cover designed for anyone running a motor trade business with the need to cover multiple vehicles.
If you buy, sell, repair, customise, collect, or deliver vehicles for a living, you’ll need Motor Trade Insurance to keep your business legally covered.
What is Road Risk Insurance?
Road Risk Motor Trade Insurance, also known as Road Risk Insurance or a Road Risk Only policy, is designed for motor traders who drive vehicles as part of their day-to-day operations. It ensures you’re covered when driving vehicles you don’t personally own or when handling customer vehicles on the job.
What are SMART repairs?
SMART (Small to Medium Repair Technology) repairs refer to work on minor damage to a vehicle’s bodywork, such as scratches, dents, scuffs and chips.
SMART repairers typically carry out smaller jobs and work on the road, whereas bigger jobs are usually carried out by technicians trading from a business premises.
How much does Body Shop Insurance cost?
The cost of Body Shop Insurance relies on many factors, including:
• Your claims history
• Whether you trade from home or a business premises
• If you sell any vehicles alongside your repair work
• If you employ staff
The level of cover you choose and the type of add-ons you take out will also influence the cost of your Body Shop Insurance. As every business is different, premiums can vary.
How can I get cheaper Body Shop Insurance?
Depending on your insurance provider, you can take steps to reduce the amount you pay for Body Shop Insurance. This includes:
• Securely storing your stock and equipment on your premises with extra security measures
• Building your no claims discount
• Limiting the number of employees on your policy
• Paying for your premium annually instead of monthly to avoid paying interest
Crash with a robotaxi? Our experts explain what to do
Patons Insurance has worked with industry experts explain what happens if you are involved in a collision with a robotaxi.
The real cost of owning a vehicle
Research by GAP insurance provider ALA Insurance found that in 2016, the annual cost of owning and running a vehicle was £6,500.
New crew helps Patons bolster its fleet offering
Patons Insurance has appointed a long-serving colleague to a new role as it continues to expand its insurance offering.