MOT Station Insurance
Compare MOT Station Insurance
Compare MOT Station motor trade insurance policies from leading insurers, including;
Why compare motor trade 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.
Guide to MOT Station Insurance
When you operate an MOT station, you understand that your business plays a critical role in ensuring the safety and roadworthiness of vehicles.
Taking this into consideration, robust MOT station or MOT garage insurance is not optional. It is essential for the protection of your business and also the motor trade businesses.
What is MOT Station Insurance
MOT stations service and repair vehicles, ensuring that they meet the road safety requirements of the Ministry of Transport. As such, you likely use expensive equipment and have customers’ vehicles in your charge for extended periods
MOT station insurance is a style of motor trade insurance that protects against financial losses associated with damage or injury to vehicles or approved equipment.
What Does MOT Station Insurance Cover
Your MOT garage Insurance is designed to provide comprehensive coverage, including road risks insurance cover, demonstration cover, and protection of garage buildings.
It can address road driving risks and other unique business operation costs in the motor trade. Here are some elements that your MOT station insurance policy may include, according to your needs:
- MOT Property Coverage safeguards your commercial property, such as diagnostic equipment, tools, and business premises.
- Public Liability Insurance protects against third-party legal claims due to potential injury or property damage on your business premises.
- Employer’s Liability Insurance is mandatory under UK law to cover claims from employees because of work-related injuries or illnesses.
- Business Interruption Coverage helps recover lost income and expenses if business operations are disrupted in extraordinary circumstances.
- Engineering Inspection Insurance provides access to expert engineers who can inspect your equipment to ensure it is safe and fully functional.
Who Needs MOT Station Insurance
Anyone who operates an MOT station, no matter how big or small, should get MOT station insurance. All kinds of MOT garages, whether independent or part of a larger network, must be protected against liabilities.
Being prepared for unforeseen events is essential for the prosperity and security of your business. In a well-maintained testing facility, you might have to drive customer vehicles during MOT tests.
Which motor trade business types can MOT station insurance cover?
MOT station insurance is a flexible policy suited to any business that handles any aspect of provided MOT testing.
It can address road driving risks and other unique business operation costs in the motor trade. Here are some elements that your MOT station insurance policy may include, according to your needs:
- MOT testing stations
- Motor traders that offer MOTs
Available Levels of Coverage
There are various levels of coverage, depending on your needs. There are three levels of road risk insurance cover and a combined level.
- Third-Party Road Risk Cover
- Third-Party Fire and Theft Road Risk Cover
- Comprehensive Road Risk Cover
- Combined Cover, This is a policy that will include road risk plus other elements example property cover to protect the MOT premises, plus other elements specific to your business needs.
Liability insurance for MOT stations
Employer’s liability is cover for any staff, including MOT testers, mechanics, apprentices, and any part-time staff. This cover is a legal requirement and can be included in a combined motor trade policy.
For any UK garage employing staff, including MOT testers, mechanics, and apprentices, employers’ liability insurance is a legal requirement. It covers you against claims of alleged injury from employees while they are working for your business.
Key Takeaways
Investing in MOT testing station insurance is a responsible and strategic decision for the long-term sustainability of your business.
In an industry where unforeseen events can impact your operations, having the right insurance coverage provides peace of mind and financial security.
What you will need to MOT station quotes at MultiQuoteTime
To ensure you can quickly receive multiple MOT testing stationce options, please have the following information ready:
MOT Station Insurance FAQ’s
- Updated: 16 April 2025
- Reviewed by Eamonn Turley Insurance Expert