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Guide to MOT Station Insurance

By Wajahat Raja
Wajahat Raja
Wajahat Raja Insurance Expert

Wajahat is an accomplished writer with a drive for finance and content creation. He has an MSc in Accounting and Finance from the University of Northampton. He has a keen interest in exploring a variety of topics like subjects insurance, private equity, and investment banking. His work demonstrates his passion for writing informational pieces which make him an asset in the field of finance

Expertise: Finance, Insurance, Home Insurance, Public Liability
from the MultiQuoteTime Editorial Team Nov 2023

When you operate an MOT station, you understand that your business plays a critical role in ensuring the safety and roadworthiness of vehicles.

Taking this into consideration, robust MOT station or MOT garage insurance is not optional. It is essential for the protection of your business and also the motor trade businesses. 

What is MOT Station Insurance

MOT stations service and repair vehicles, ensuring that they meet the road safety requirements of the Ministry of Transport. As such, you likely use expensive equipment and have customers’ vehicles in your charge for extended periods

MOT station insurance is a style of motor trade insurance that protects against financial losses associated with damage or injury to vehicles or approved equipment. 

What Does MOT Station Insurance Cover

Your MOT garage Insurance is designed to provide comprehensive coverage, including road risks insurance cover, demonstration cover, and protection of garage buildings. 

It can address road driving risks and other unique business operation costs in the motor trade. Here are some elements that your MOT station insurance policy may include, according to your needs:

  • MOT Property Coverage safeguards your commercial property, such as diagnostic equipment, tools, and business premises.
  • Public Liability Insurance protects against third-party legal claims due to potential injury or property damage on your business premises. 
  • Employer’s Liability Insurance is mandatory under UK law to cover claims from employees because of work-related injuries or illnesses. 
  • Business Interruption Coverage helps recover lost income and expenses if business operations are disrupted in extraordinary circumstances. 
  • Engineering Inspection Insurance provides access to expert engineers who can inspect your equipment to ensure it is safe and fully functional. 

A combined motor trade insurance offers the most flexibility. This is a policy that will include road risk plus other elements specific to your business needs. 

Who Needs MOT Station Insurance

Anyone who operates an MOT station, no matter how big or small, should get MOT station insurance. All kinds of MOT garages, whether independent or part of a larger network, must be protected against liabilities.

Being prepared for unforeseen events is essential for the prosperity and security of your business. In a well maintained testing facility, you might have to drive customer vehicles during MOT tests.

Which motor trade businesses types can MOT station insurance cover?

MOT station insurance is a flexible policy suited to any business that handles any aspect of provided MOT testing.

  • Motor traders that offer MOTs
  • Repair garages that offer MOTs
  • MOT testing stations

Available Levels of Coverage 

There are various levels of coverage, depending on your needs. There are three levels of road risk insurance cover and a combined level. 

  • Third-Party Road Risk Cover
  • Third-Party Fire and Theft Road Risk Cover
  • Comprehensive Road Risk Cover
  • Combined Cover, This is a policy that will include road risk plus other elements example property cover to protect the MOT premises, plus other elements specific to your business needs.   

Liability insurance for MOT stations

Employer’s liability is cover for any staff including MOT testers, mechanics, apprentices and any part-time staff. This cover is a legal requirement and can be included in a combined motor trade policy.

For any garage employing staff, including MOT testers, mechanics and apprentices, employers’ liability insurance is a legal requirement. It covers you against claims of alleged injury from employees while they are working for your business.

Key Take Aways

Investing in MOT Testing Station Insurance is a responsible and strategic decision for the long-term sustainability of your business. 

In an industry where unforeseen events can impact your operations, having the right insurance coverage provides peace of mind and financial security. If you want to know more about MOT garage Insurance fitters insurance, contact us today.

MOT Station Insurance FAQ's

How to Save Money on MOT Station Insurance?

You can save money on MOT station insurance by comparing quotes by different insurance providers to find the best rates for your needs, implementing safety measures to reduce premiums, and bundling your MOT station insurance for possible discounts. 

You may also consult an insurance broker to discuss your key cover requirements and get adequate motor trade insurance.

How Much Does MOT Station Insurance Cost?

It varies depending on your business size, location, and coverage needs. A personalised quote can accurately assess your MOT station insurance cost. 

Am I Eligible for MOT Station Insurance?

If you operate an MOT station, you are eligible. Investing in MOT station insurance is essential to protect your garage from risks.

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