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Service and Repair Garage Insurance
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What is Service and Repair Garage Insurance?
Service and Repair Garage Insurance is a specialised type of Motor Trade Insurance. It’s designed to cover businesses that test, maintain, and repair vehicles. You may have also heard it referred to as Commercial Garage Insurance or Mechanics Insurance.
If you operate a garage and carry out work on vehicles, you legally need Service and Repair Garage Insurance to keep you covered.
Whether you run a garage that performs routine maintenance like MOT testing or oil changes and fluid checks, or you carry out more complex repairs like fixing breaks and engines, we can find cover that best suits your business needs.
Compare Commercial Garage Insurance with Patons
Finding the right insurance for your business can be time consuming, and with so many policy options available, it’s not always clear what ones will suit your needs best. Add in comparing quotes on your own, and the whole process can become a hassle.
That’s why at Patons Insurance, we do the work for you. We compare quotes from our panel of trusted motor trade insurers to find the cover that’s right for you, at a price you’re happy with. We take the time to listen, so you only pay for what you need. Thousands of professionals already trust us to handle their insurance, and we’re proud winners of Feefo’s Platinum Trusted Service Award every year since 2022.
Levels of cover
At a minimum, you’ll need Road Risk Insurance to be legally covered. There are three levels of Road Risk Insurance cover:
Third Party Only (TPO) – This is the most basic level of cover. It protects you if you injure a third party or damage their vehicle in a fault accident.
Third Party, Fire and Theft (TPFT) – This includes everything in TPO and also covers you if one of your vehicles are stolen or damaged by fire.
Comprehensive – This offers the most protection. It includes everything in TPO and TPFT, and it also covers damage to your own vehicles.
Additional cover
We also offer additional policies to ensure full protection of your business. You can take these out depending on your needs:
• Employers’ liability
• Public liability
• Business premises protection
• Engineering inspection cover
• Service indemnity cover
• Money and keys cover
• Tools and equipment insurance
Getting your Motor Trade Insurance Quote
Step 1
1. Fill out the form
We’ll need some initial details about you and your business to get started with your quote.
Step 2
2. We’ll call you
You’ll then get a call from us to discuss your insurance 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 choose Patons 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
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FAQs
What is Motor Trade Insurance?
Motor Trade Insurance is a specialised type of cover built for businesses in the motor trade that need protection for more than one vehicle.
If you buy, sell, repair, service, customise, collect, or deliver vehicles as part of your work, this cover helps keep your business compliant and protected.
How much does Garage Insurance cost?
The price of Service and Repair Garage Insurance depends on a variety of things, including:
• Where your business premises is located
• Your claims history
• The type of vehicles you work on
• Whether you sell any vehicles alongside your repair work
• The age and experience of any employees you have
• Whether you have security measures on your premises
How can I get cheaper Service and Repair Garage Insurance?
Depending on the insurer, there are steps you can take to reduce the cost of your insurance. For example, you could:
• Build up your no claims bonus
• Use a broker who will compare quotes for you
• Make sure your premises is secure and has security features like CCTV in place
• Employ drivers with a good claims history
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Research by GAP insurance provider ALA Insurance found that in 2016, the annual cost of owning and running a vehicle was £6,500.
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