Car Body Shop Insurance
Compare Car Body Shop motor trade insurance policies from leading insurers, including;
Why compare Car Body Shop insurance with MultiQuoteTime?
If you drive vehicles you do not own as part of your business, you will need a motor trade insurance policy to ensure you have at least the legal minimum required coverage.
Finding the right motor trade business insurance policy to match your business model can be time-consuming. Accessing multiple quotes can help reduce stress and save you time.
Finding and comparing the latest deals available in the insurance marketplace is fast and simple with our partner, Quotezone. The online quote process is designed to be quick and simple, allowing you to compare results using smart filters to narrow down your hunt for the best deal online.
“Working with other people’s vehicles opens you to a wide range of risks and damages can be punishing if you are found to be liable, that is why it is important to have an insurance cover that is tailored to your business needs. Each business will have different requirements, and this type of policy is easily adjusted to cover your unique needs so you are not overpaying.” Eamonn Turley, Founder of MultiQuoteTime.co.uk
Body Repair Shop Insurance – Compare Prices with MultiQuote
Body shop and crash repair insurance is a specialised auto trade policy that offers protection for the unique risks of body repair businesses. These risks may arise from driving a customer’s vehicle while doing your job, theft of property from your premises, poor workmanship, workplace injuries, and accidental damages.
Whether you’re a self-employed professional working from home, a part-time technician or a large body shop company, vehicle crash and body repair insurance is recommended for you as long as your operations are commercial. This dedicated insurance will protect you, your customers, your employees, and your business in case of a loss or damage.
What Does Body Shop Insurance Cover?
Auto crash repair insurance typically includes different individual covers in one policy. However, most insurance providers will only allow you to choose the protections you need for your business. Some of the common types of body shop and crash repair insurance coverage include:
Road Risks Insurance
This is an essential insurance for body shop and crash repair operators, and most insurers may make it mandatory. With this insurance, you are protected while driving your customers’ vehicles. You can choose from the different levels of road risks insurance depending on the protection you need. They include:
- Third-party-only – As the name implies, this vehicle insurance level protects you against damages you cause to others, but doesn’t cater for your losses
- Third-party, fire and theft – offers every benefit included in the third-party-only level and extra compensation for losses or damages to cars insured due to fire or theft.
- Comprehensive – offers the highest level of protection, including every benefit in previous cover levels and insurance for additional risks such as damages to your vehicle and stolen items.
Additional Body & Collision Repair Shop General Liability Insurance
- Employers’ liability – offers compensation for your employee’s injury, accident, and death liability claims.
- Sales & service indemnity insurance – insures your business against customer claims of careless service by you or your staff.
- Public liability – offers financial protection for claims associated with injury, accident, and damage from your customers.
- Business premises cover – provides insurance for your business premises against fire, flood, and theft. It may come with an additional content cover.
- Specialist tools and equipment – protects valuable work equipment and tools from loss, theft and damage.
- MOT loss of licence cover – provides coverage in case you lose your MOT licence due to certain situations.
- Business interruption cover – insures you in situations where you’re unable to earn income as a result of the closure of your business or loss of essential working equipment.
- Garage Keeper’s Liability – Protects against theft or vandalism of a customer’s vehicle stored in your possession during the job.
How much does body shop and crash repair Insurance cost?
The cost of your body shop and crash repair insurance will depend on the covers you include in your policy and other factors like:
What factors influence the cost?
You can reduce the cost of your body and collision repair insurance by comparing multiple insurance quotes, building up your no-claims bonus, installing security features on your premises, reducing the number of persons listed on your policy, etc
What you will need to get car body shop insurance quotes at MultiQuoteTime
To ensure you can quickly receive car repair insurance options, please have the following information ready:
- Updated: 11 April 2025
- Reviewed by Eamonn Turley Insurance Expert