Tyre Fitters Insurance
Compare cover for mobile and workshop-based tyre fitters, including road risk, liability and protection for tools and stock.
- Cover for mobile tyre fitters, premises-based businesses or both
- Road risk, employers' liability, public liability and premises cover
- One short form, then specialist insurers contact you with tailored quotes
Tyre Fitters Insurance in short
Tyre fitters insurance protects you, your business, your employees and the public if something goes wrong while fitting tyres, whether you work from a van, a workshop or both. Policies are built around road risk cover and can add employers' liability, public liability and commercial premises cover. Complete one short form and specialist motor trade insurers will contact you with quotes tailored to your business.
Key facts
- Road risk insurance is a legal requirement for any company operating in the motor trade and is considered the minimum level of cover.
- Employers' liability insurance is required by law if your tyre fitting business has employees.
- Combined motor trade policies bundle road risk with employers' liability, public liability and commercial premises cover.
- Part-time cover is available and may be cheaper if you run your business part time.
- Paying monthly costs more than paying annually because of interest charges.
Michael's take
Tyre fitting looks simple from the outside, but you are handling customers' vehicles every day, and one slip can mean a damaged car or an injured person. I would treat road risk as the floor, not the ceiling, and if you employ anyone, employers' liability is not optional. Talk your set-up through properly with the insurers who call, and do not pad the policy with add-ons you will never use.
What is tyre fitters insurance?
Tyre fitters insurance is a form of motor trade insurance built for businesses that fit tyres, whether you work as a mobile tyre fitter, from a business premises or both. It can protect you, your business, your employees and the public if the unexpected happens.
Fitting tyres carries a number of risks, such as damaging a customer's vehicle or injuring an employee or customer. There are also wider risks to think about, including theft of equipment and damage to stock. A tyre fitters policy brings cover for these risks together, and insurers can tailor it to the way your business works.
Do mobile tyre fitters need insurance?
Yes, depending on how your business is set up you may be legally required to have insurance in place. You will need insurance for the vehicle you drive, and road risk insurance is a legal requirement for any company operating in the motor trade.
If you have employees, you will need employers' liability insurance, which is required by law. You may also want public liability insurance to cover injury to members of the public and damage to their property. Because no two tyre fitting businesses are the same, the easiest way to confirm exactly what you need is to discuss your requirements with an experienced motor trade insurance broker.
Ready to get tyre fitters insurance quotes?
One short form, then specialist insurers come back to you with tailored quotes.
What does tyre fitters insurance cover?
Tyre fitters insurance is typically built from two policy types, with insurers tailoring the covers to your business.
- Road risk insurance: covers driving your business's own vehicles and vehicles in your custody, such as customer vehicles, for motor trade purposes. It is the minimum level of cover for the motor trade and is typically suited to smaller businesses, part-time traders or those working from home. Like a standard vehicle policy, it comes in three levels: third party only, third party, fire and theft, and comprehensive.
- Combined motor trade insurance: typically for larger operations, a combined policy includes road risk alongside employers' liability insurance, public liability insurance and commercial premises insurance. It will usually cost more than road risk alone but can offer substantially more cover.
When you compare quotes, the insurers who contact you can advise on which covers your business needs.
How much does tyre fitters insurance cost?
The cost depends entirely on you, your business and the covers you want to include, so there is no standard price. The following points can affect what you are quoted and how much you pay:
- Who is on the policy: younger employees or those with convictions, both motoring and non-motoring, may push up the prices you are quoted.
- Level of cover: it can be cheaper to opt for a fully comprehensive policy, even though this seems counter-intuitive to many.
- Add-ons: avoid buying unnecessary extras so you do not over-insure.
- Part-time trading: part-time cover is available and there may be significant savings if you run your business part time.
- How you pay: paying annually avoids the interest charges that build up when you pay monthly.
The easiest way to get an accurate figure is to complete the quote form and discuss your requirements with one or more insurers.
How do I compare tyre fitters insurance quotes?
Complete one short form on this page and specialist motor trade insurers on our panel will contact you to discuss your options and provide tailored quotes. There are no live prices online for this type of cover, because insurers need to understand how your business operates before quoting.
Using a comparison service means you only fill in your details once rather than approaching each insurer separately. Mobile tyre fitters, premises-based businesses and those doing both can all use the form. Once you have your quotes, you buy your policy directly from the insurer you prefer.
Frequently asked questions
How much does tyre fitting insurance cost?
It depends entirely on you, your business and the covers you want to include in the policy. Factors such as who is named on the policy, the level of cover and whether you pay annually or monthly all affect the price. The easiest way to get an accurate quote is to complete the quote form and discuss your requirements with one or more insurers.
Is it possible to arrange part-time tyre fitters cover?
Yes. Part-time cover is available, and there may be significant cost savings if you run your tyre fitting business on a part-time basis.
Can tyre fitters insurance be paid monthly?
Yes, policies can usually be paid in monthly instalments. It is more expensive than paying annually because of the additional interest costs.
Can mobile tyre fitters get quotes through Quote Goat?
Yes. Mobile tyre fitters, workshop-based businesses and those that do both can complete the short form, after which specialist motor trade insurers will contact them with quotes.
Do tyre fitters need employers' liability insurance?
If your business has employees, employers' liability insurance is required by law. It is typically included within a combined motor trade policy alongside road risk, public liability and premises cover.
What is the difference between road risk and combined motor trade insurance?
Road risk insurance covers driving your own and customers' vehicles for motor trade purposes and is the minimum level of cover for anyone operating in the motor trade. Combined motor trade insurance includes road risk plus employers' liability, public liability and commercial premises cover, so it typically costs more but offers substantially wider protection.
Motor Trade Insurance for your business
Other pages that may fit your business, and guides on this topic.
Written by Michael Foote, Insurance & Finance Expert
Founder of Quote Goat, with over 20 years' experience in finance and insurance. He has appeared on TV and in Forbes, The Telegraph and The Metro.
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Quote Goat passes your details to a specialist motor trade insurance partner, who will contact you with quotes. This page is general information, not advice. Always check the policy documents to make sure the cover meets your needs.