Motor Trade Cover

Car Valeters Insurance

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Compare car valeters insurance from specialist UK motor trade brokers. Whether you run a mobile valeting service, a fixed-site detailing business, or a hand car wash, get the right road risk and public liability cover — all from one quick form. See all our motor trade insurance options.

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Public liability insurance for car valeting

If are dealing with customer cars within the valeting or detailing sectors, you are no doubt aware that any accidental damage can ruin your reputation. Most customers will be understanding if you are to come clean and are able to undo any damage caused. This may in an extreme case involve replacing some expensive car part. Having valeting car insurance can help by covering these costs for you. Enabling you to resolve any issue without having to be personally liable for the costs.

car valeting insurance uk

The first step in researching the cost of car valet insurance is to get multiple quotes from a range of insurance brokers. Multiquotetime works in partnership with Quotezone who provide a simple form which once completed is submitted to a specialist panel of brokers.

What is a car valet detailing service?

The car valeting profession makes their money by focusing all of their attention on taking the utmost care of your car. They lavish the bodywork with only the most gentle chemicals, so as not to disturb the car’s wax layer, paint job, or underlying materials, and even preserving them for years to come. 

The nature of a valet is to offer a premium service that will outshine the work of even the best hand car washers. They are often chosen by those that take great pride in their presentation and their motors, as the valets will produce a fresh from the lot, like-new aesthetic that looks dazzling sitting on the driveway or rolling up to an event. 

The valets are expert in making the automobile shine inside and out, as they take special care to remove all of the dirt with powerful vacuums, work stains out of the fabrics, and then treating the fabrics with specialist products to make the materials last and stay fresh for longer.

What Insurance Do You Need To Clean Cars?

You can find these basic policies from most motor insurers, as it is a composite package that centres around the vehicles that are being worked on. A car wash insurance policy may be cheaper than a valeting policy, but that is more to do with the clientele that each expects, than to do with differing risks or hazards, as both types of insurance will cover more or less the same risks. 

If you have staff the policy must legally include employer’s liability insurance, to cover the workers and the risks that are posed to them, Public Liability, to protect third parties on the premises, as well as their cars, Business Interruption in case of unexpected closure, and usually equipment cover, Products Insurance, Short Term Motor trade Insurance, and Commercial Property Insurance.  

This large commercial policy will not always have full coverage, as some smaller businesses will choose to bear some of the risks for smaller premiums. The only legally required cover is Employer’s Liability, unless the cars are being driven, in which case, road risk cover will be required. 

Do You Need Insurance To Valet Cars

Valet Insurance is a type of insurance package extremely similar in nature and composition to car wash insurance, but which will usually cover expensive stock, equipment, legal, and not to mention the vehicles themselves, as third party property and road risks insurance. 

The name of the insurance package is not entirely important when considering valet insurance, as many insurance providers will quote them as motor trade packages, or car valet insurance packages. However, insurance providers that specialise and have experience in the insuring of motor businesses, will usually have a valet package that you can customise to your needs. 

What Insurance Do You Need For Mobile Valeting

The mobile valet has taken off in recent years as an ultra convenient one-stop service done right on your own driveway. 

The risks for this type of valeting service are mostly reduced, as the road risks cover, and property insurance won’t be needed. The stock, as well as equipment, will be a reduced sum insured. For this reason, it’s more affordable to insure than a normal valet business. 

Car Valeters Insurance

Who provides insurance for car valeting?

If you work in this sector, you will need motor trade insurance to cover the risk of working with other peoples cars. Some insurance companies specialise in motor trade insurance, so be sure to give them a visit when searching for a good deal on var valeting insurance. These are just a few to consider Bollington motor trade insurance, AVIVA, DNA and Nash Warren.

Provider Name Notes / Quick Info
DNA Motor Trade Insurance Specialist motor-trade cover, widely recognised in the UK trade market.
Bollington Motor Trade Insurance Long-standing broker for trades, with comprehensive trade-insurance options.
Nash Warren Broker offering motor-trade and commercial vehicle policies.
BroadsureDirect Provides motor-trade policies; often used by garages and small fleets.
Tradesure Trade-focused insurance provider suitable for vehicle repair & sales businesses.
Crawthorne Well-known broker for motor-trade and fleet insurance.
NFU Motor Trade Insurance Covers motor-trade clients under NFU’s insurance offerings.
AGEAS Motor Trade Insurance Major insurer offering trade coverage under the AGEAS group.

Can You Run A Car Valeting Business From Home

The rise in work from home solutions since COVID has boomed over the last couple of years, and that’s even applicable to valet services. With the slow-down in the economy, fewer people driving and fewer business meetings, the demand for valet services fell, and many companies had to scale down. 

Where some businesses collapsed, others adapted, using good home storage and willingness to make things work, a small valet service can be run from a home address. 

The premises may be insured under a commercial policy for public liability, while the sums insured of equipment, and stock will likely be drastically reduced. The risks and hazards will have to be talked through with your insurance professional, and there will likely be risk improvement measures required.  

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Car Valeting Insurance by Location

Find specialist valeting and detailing cover for your area

West Bromwich

Car valeting insurance for mobile and fixed-site valeters in West Bromwich

Sheffield

Valeting and detailing cover for mobile and site-based businesses in Sheffield

Bristol

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Coventry

Insurance for car valeters and detailers operating in and around Coventry

Leicester

Specialist valeting cover for mobile operators and fixed sites in Leicester

Nottingham

Detailing and valeting business insurance for Nottingham-based traders

Newcastle

Trade cover for car valeters and detailing businesses across Newcastle

Cardiff

Car valeting and detailing insurance for Welsh businesses based in Cardiff

Derby

Compare valeting cover for mobile and site-based valeters in Derby

Stoke-on-Trent

Valeting and car care trade insurance for businesses in Stoke-on-Trent

Wolverhampton

Insurance for detailing and valeting operators in Wolverhampton

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