Motor Garage Insurance

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Motor Garage Insurance

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals. Motor garages across the country have trusted us to provide specialist insurance and risk management solutions at a truly competitive price.

What is motor garage insurance?

Motor garage insurance is dedicated cover for auto repair garages of all sizes. It is specialist cover which can cover you for the varied risks you face. This can include cover for customer vehicles, your equipment, employees, customer accidents and injuries and even your business premises itself.

Get a quote

Who needs motor garage insurance?

Specialist motor garage insurance is ideal for:

  • Auto repair garages
  • Garages offering servicing and modifications
  • MOT centres
  • New or used car dealerships that also offer repairs and services
  • Bodyshops
  • Recovery services that offer repairs (please note that James Hallam cannot arrange insurance for mobile mechanics)

Risks facing auto repair garages

For your customers, vehicle services and repairs are usually a significant investment. They trust you to provide a high quality and reliable service. Motor garages can also be a place with a range of hazards. This leads to a number of risks, including:

  • Allegations of negligence or poor workmanship. Would you be able to afford the legal fees and compensation payments that would arise from such a claim?
  • Fire or a flood can mean you are temporarily unable to open your garage.
  • Injuries affecting customers or staff. A customer may slip or trip or an employee may be injured using machinery on your premises which could lead to claims for compensation.
  • Theft or vandalism can lead to break-ins and destruction or theft of your valuable tools, stock, or machinery.

The good news is that motor garage insurance can cover you for all of these risks, and more. With comprehensive cover, you can rest assured that your motor garage will be able to bounce back from almost any unexpected event.

What does motor garage insurance cover?

  • Public and employer’s liability insurance.
  • Garage premises insurance.
  • Stock and contents insurance – including cover for any vehicles you are currently working on, and cover for your tools and equipment.
  • Road risk insurance – which will allow you to drive customers’ vehicles to and from your premises.
  • Business interruption insurance.

How much is car garage insurance?

The amount you pay for your motor garage insurance will depend on a number of factors, including:

  • The size of your garage.
  • The size of your workforce.
  • The specific type of services you offer.
  • Your location – you may have to pay more if you are based in an area with high crime rates, for example.
  • The level of cover you choose, and how you choose to pay your premium. For instance, you may be able to make a saving if you pay annually, rather than monthly.

Why choose James Hallam for your motor garage insurance?

No two motor garages are ever quite the same. An off-the-shelf insurance product may not cover you for all of the risks you face. Or you may end up paying excessively for cover you do not really need.

Work with us and we will take the time to get to know you and your motor garage. This will help us understand the unique risks you face, so we can tailor a bespoke motor garage insurance package to give you the cover you need at a competitive price.

We are here to help you.
Call us on 03330 384 058 or email motortrade@jameshallam.co.uk

Testimonial

After our previous insurer refused to cover a commercial property we had recently refurbished, we had to look at other options.

Following a recommendation from IMDA member, we contacted Andrew Ellis from Flectcher Smith Insurance Brokers. Andrew came and carried out a site assessment on both of our properties. We sat down and went through a detailed audit to make sure all needs and demands were accurately met.

The quote fell well within our expected renewal budget! A real positive for me is the confidence I have in the broker and insurance company knowing our business inside out.

New Client

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