Insurance for vehicle recovery operators: What to look for

By Road Runner

A person in red workwear secures a light blue SUV onto a flatbed tow truck inside a garage or service area.

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Vehicle recovery operators play a vital role in keeping roads clear and helping motorists in distress. However, the nature of their work exposes them to unique risks that standard insurance policies may not adequately cover. That’s where motor trade insurance tailored for recovery operators comes in. This specialised coverage ensures that businesses involved in vehicle recovery are protected against the specific challenges they face daily.

Why vehicle recovery operators need motor trade insurance

Operating in the vehicle recovery sector involves more than just towing broken-down cars. Recovery operators often work in hazardous conditions – on busy roads, in poor weather, and with damaged or unfamiliar vehicles. These risks make it essential to have vehicle recovery insurance that covers both the operator and the vehicles they handle.

Without the right recovery operator insurance, businesses could face significant financial losses from accidents, damage to customer vehicles, or liability claims. A motor trade policy for recovery operators is designed to address these exposures, offering peace of mind and legal compliance.

Types of cover available

Road risk cover
This is crucial for recovery operators who drive customer vehicles or use trade plates. Road risk cover for recovery operators ensures that any vehicle driven in connection with the business is insured, whether it’s being recovered, tested or moved.

Liability insurance
Accidents can happen, and when they do, liability insurance protects against claims for damage to customer vehicles or injury to third parties. This is a core component of any motor trade insurance policy.

Tools and equipment cover
Recovery operators rely on specialised equipment – winches, ramps, tow bars, and more. If these tools are stolen or damaged, it can halt operations. Insurance for tools and equipment ensures that recovery businesses can get back to work quickly without bearing the full cost of replacement.

Common scenarios and claims

Recovery operators often face claims such as:

Damage to a customer’s vehicle during loading or towing
Road traffic accidents while transporting a recovered vehicle
Theft of recovery equipment from a van or depot
Injury to a third party while working roadside

Having comprehensive vehicle recovery insurance means these scenarios are covered, reducing financial strain and protecting your reputation.

Choosing the right policy

When selecting a motor trade policy for recovery operators, consider the following:

Scope of cover: Ensure it includes road risk, liability, and equipment protection
Flexibility: Look for policies that allow multiple drivers or vehicles
Claims support: Choose insurers with a strong track record in handling motor trade claims
Cost versus coverage: Don’t just go for the cheapest – make sure the policy meets your operational needs

Working with a specialist broker can help tailor a policy that fits your business perfectly.

Final thoughts

Motor trade insurance isn’t just a legal requirement – it’s a vital safeguard for recovery operators. With the right recovery operator insurance, you can operate confidently, knowing your business is protected against the unexpected.

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Get expert advice on motor traders insurance with Road Runner today.

Protect your recovery business with our comprehensive motor trade insurance. Speak to Road Runner today and get a quote tailored to your needs.

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Road Runner is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.