ALLOY WHEEL REPAIRER INSURANCE
With the designs, types and sizes of wheels fitted to vehicles they are no longer just there to move the vehicle along.
Alloy wheels are now a standard item on almost every vehicle, whether that is competition between motor manufacturers or they are purely there as a fashion statement its without doubt that alloy wheel repairs sector continues to grow.
Alloy wheel repairer insurance is therefore essential whether your business is purely alloy repairs, or they form part of your SMART repair business.
Carrying out alloy wheel repairs means that you will need certain insurance covers to enable your business to function fully protected. Working either as a fully mobile wheel repairer moving from one customer to the next or being premises based and just collecting the wheels, certain covers are essential.
Repairing alloy wheels in your van or collection to return to your business premises you will need insurance cover to drive legally on the highway. In addition, Liability insurance will protect you against members of the public alleging you have caused them loss or injury or damaged their car whilst you have been working on it.
Working from your van or business premises means you will have specialist equipment and tools, from your premises this might include specialist CNC machinery, spray booths and extraction should you spray, sand blaster and the powder coating equipment, these can all be covered on one policy for instance, whether mobile or premises based.
Vehicle Insurance
If you are providing a mobile alloy wheel repair service or you have business premises to work from, you will possibly need to drive customers vehicles, this could be at their home or at a car dealership.Usually a wheel repairer would have a motor trade combined insurance policy, this would allow you to legally drive both your own vehicles and your customers vehicles on the road, this is commonly called Road Risks Insurance and forms part of a policy for businesses just like yours.
Just like a Car or Van insurance policy the covers available are Third Party Only, Third Party Fire and Theft and Comprehensive, however Comprehensive Insurance cover will pay for any accidental physical damage done to the vehicle itself.
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Alloy Wheel Repair Public Liability Insurance
If you have premises you may have customers delivering their own wheels, mobile repairers can be at risk to, leaving wheels or tools around for someone to fall over. Public Liability Insurance for an alloy wheel repairer will protect you should your customer allege you have been negligent because they have been injured or you have caused damage to their property, therefore Liability Insurance is essential.
As your business grows you will need to take on help, whether they are full-time, part-time, or self-employed or they even work for you voluntarily Employers Liability insurance is a statutory requirement, in other words you must have the cover by law. Employers liability insurance will therefore provide legal costs and pay compensation should an employee be injured whilst they are in your employ.
Machinery and Equipment Insurance
If your business is mobile then you will be carrying equipment in your vehicle, this equipment is essential to your business functioning and therefore having suitable insurance cover in place goes without saying.
Alloy wheel repair insurance will cover machinery and equipment at your premises, ovens, spray booths, CNC lathes, blasting plant can be quite costly to replace should you have a claim. The Chipsmart insurance policy will all the business assets together on one policy.
WHY ALLOY WHEEL REPAIR BUSINESS WITH CHIPSMART?
Chipsmart are specialist insurance brokers to the vehicle repair sector, we understand your business exposures whether you are a mobile wheel repairer, or you work from a building. Our clients are SMART repairers, PDR Technicians, Vehicle Upholstery Specialists, Windscreen Fitters and Vehicle Wrappers to name but a few.
Speak to one of our motor trade insurance specialists today on 0330 058 0262, we not a call centre driven by what the computers tell us but are experienced and knowledgeable people who “can” give you advice and guidance about your insurance.