What does a SMART Repairer or PDR Technicians insurance policy cover?
Road Risks Insurance
If your scratch and dent repair service is mobile your business relies on getting to your customers premises on time. Having motor trade road risks insurance in place allows you to drive on the road. The benefits of having a road risks policy is that you can drive your own vehicles as well as your customers vehicles, sometimes a benefit if you need to drive your customers vehicles either at a car sales pitch or perhaps to deliver a vehicle when its been repaired.
Although there are choices between Third Party Only, Third Party Fire & Theft or Comprehensive insurance, its always better to protect both your own and your customers vehicle against damage whilst you are driving it, because of this we would always recommend comprehensive insurance cover.
Liability Insurance is the cornerstone of any business insurance policy, Public Liability will protect you against claims for compensation or legal costs incurred should a member of the public make a claim against you where they have alleged you have caused injury or a loss, perhaps damaging their vehicle whilst you are working on it. A specialist repairer policy such as that from Chipsmart will give you extra covers, damage to the vehicle you are working on as well as defective workmanship.
You may have people that work for you, it doesn’t matter whether they work for you occasionally or full time, it’s a legal requirement that you have compulsory Employers Liability Insurance
Having a specialist SMART Repairer or PDR Technicians insurance policy from Chipsmart will cover you for damage that you may do whilst working on your customers vehicle, not something all Public Liability Insurance Policies will provide.
Tools and Equipment Insurance
Being a mobile repairer means that your van will carry all those specialist repair tools, machinery and equipment, you may even have it specially adapted to include awnings to protect the vehicle you are working on. Your tools and machinery are essential to your vehicle repair business, because theft can be a particular risk and subject to certain conditions we provide full overnight cover.
Personal Accident Insurance
Having an Accident or becoming sick can have serious consequences on your business, a Personal Accident and Sickness insurance policy means that should you have an accident or fall ill keeping up payments on such things as mortgages or business expenses isn’t quite so stressful. Speak to us about how insurance can protect your earnings should you become temporary or totally disabled in the event of an accident or an illness whether long or short term.