Written by Michael Foote, Insurance Expert
Many tyre fitting businesses move customer vehicles as part of their work, whether that’s driving into a workshop bay, testing after a tyre change, or repositioning on-site. In these situations, road risk insurance is normally required.
Road risk cover allows you to legally drive customer vehicles in connection with your business. Standard private car insurance won’t extend to this use. The policy can be third-party only, third-party fire and theft, or comprehensive. Comprehensive is often chosen because it covers accidental damage to customer cars in your custody, which can be costly to repair without insurance.
Road Fitters
For roadside fitters, moving vehicles is less common, but some operators still choose road risk cover to protect against occasional needs. Insurers may ask for proof of trading, driver licence checks, and details of who will be authorised to drive. Declaring accurately is important, as misrepresentation could invalidate a claim.
Even if you rarely drive customer cars, having road risk cover in place can provide peace of mind and demonstrate professionalism to clients. Combined motor trade policies make it simple to add this alongside liability and stock sections.
Expert Advice
For the right balance of protection, look at specialist tyre fitters insurance quotes that includes public liability, stock and equipment cover, and road risk if you handle customer vehicles. Submit your details via the short form on our site and speak to a specialist to compare motor trade insurance prices.
