Written by Michael Foote, Insurance Expert
About Road Risk For Valeters
Mobile car valeters often travel to customers’ homes or workplaces, which can involve moving vehicles into a safe cleaning area or driving them short distances. In these situations, you’ll usually need road risk insurance. This type of policy allows you to legally drive customer vehicles in connection with your business, something standard private car insurance won’t cover.
Road risk insurance for valeters comes in three levels:
- Third-party only – the minimum legal requirement.
- Third-party, fire and theft – adds theft and fire protection.
- Comprehensive – protects against accidental damage to vehicles in your care while being driven.
Many valeters choose comprehensive, since even small damage to customer vehicles can be expensive to put right.
If you never drive customer vehicles, you might not need this cover, but it’s important to be accurate when declaring your activities. Misrepresentation could invalidate your policy. Insurers often ask for proof of trading, driving licence checks, and details of any additional drivers before issuing cover.
It’s also worth considering tool cover and public liability in the same policy, since mobile valeters typically carry equipment and work in public spaces where risks are higher.
Get Advice
For peace of mind, speak to an expert when you submit your details on our car valeters insurance comparison page – to create a policy that includes exactly what you need.
