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Crash Repairs & Bodyshop Insurance

From dealing with crash damage to SMART repairs, you need the right cover to protect you and your business.

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What is Bodyshop Insurance?

Bodyshop Insurance is specialist cover designed for those who operate a vehicle crash repair business, workshop, or garage.

Otherwise called Crash Repair Insurance, whether you’re full-time or part-time, work from a premises or from home, you need this specialist cover to protect you, your employees, and the vehicles you’re working on. This cover is suitable for a variety of traders such as mechanics, panel-beaters, welders, or resprayers.

What’s covered with Bodyshop Insurance?

Road Runner’s cover can include:

  • Cover for vehicles in your care
    Quite simply, protection for the vehicles in your care. This may include customers’ vehicles being kept at your commercial premises under our ‘Vehicles at Business Premises’ extension.
  • Road risks
    Up to comprehensive levels of road risks cover – for when your team is on the move.
  • Protection for your premises
    Cover for your commercial premises (workshop or garage) with buildings cover up to £100,000. This could include liability cover and a range of extra options to protect you and your business.
  • Liability insurance
    Peace of mind with the benefit of protection from third-party claims, whether these are real or false.
  • Vehicles in transit
    Collecting and returning vehicles or doing some mobile work? Extend your cover so every vehicle is protected while in transit. We can even tailor your policy to offer mobile coverage.
  • Goods, plant, machinery, stock, and portable hand tools
    Up to £25k fixed contents and tools cover. Includes tools stored in your work van and diagnostic computers. No single article limit. Stock covered up to £1,000.
  • Cover for defective workmanship
    Ensure protection against damage caused by poor repairs with products liability.
  • Business interruption cover
    Secure compensation for lost income if your business is disrupted due to an insured event.
  • No Claims Bonus protection
    Extend your cover to keep your No Claims Bonus in the event of a claim where insurers can’t recover their losses. (Terms apply – see your policy booklet or summary of cover.)

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Why Road Runner for Crash Repairs & Bodyshop Insurance?

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Partners to the motor trade

We’ve worked side-by-side with every part of the motor trade for almost three decades, so we understand the ins and outs of specialist insurance.

Our reputation is built on trust, great relationships, and serving up insurance solutions that are right for you.

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We know our alloy wheel damage from our exhaust replacements

There’s no such thing as a one-size-fits-all policy with us, and we understand what’s needed to make good on vehicle repairs.

We provide robust cover the whole time that a vehicle’s under your care – protecting you, your business, the cars, and your premises from risk.

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We help you keep the motor running

You’re here to repair, respray, and refit your customer’s motors; we’re here to protect them, your premises, and tools. We know all the cover options and interpreting insurance policies comes naturally to us.

But don’t just take our word for it – read our Feefo reviews.

Who needs Bodyshop Insurance?

Bodyshop Insurance is required by anyone operating a motor trade repairs business,  particularly those operating crash repair garages or workshops.

If your work includes removing dents, scratches, repairing crash damage, or redoing paintwork and spraying on customer’s vehicles, then auto bodyshop insurance is the most suitable cover for you and your business’ protection.

As well as covering the repair work itself, this insurance will keep you covered on the road, as well as protecting your premises, specialist tools and machinery. Plus, liability covers so you, your employees, and customers are fully protected.

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Is Bodyshop Insurance a legal requirement?

Yes – certain elements of Bodyshop Insurance are required by law. These include cover for road risks and employers’ liability (if you employ staff).

While other components of Car Bodyshop Insurance aren’t mandatory, they’re usually strongly advised to protect you, your business, your team and your customers.

What insurance do bodyshops need?

At the very least, you’ll need road risks cover (if you drive vehicles on public roads) and employers’ liability cover (if you employ staff).

Outside of this, there are various elements of crash and body repairer insurance that are usually deemed as essential to the running of a bodyshop. These include cover for:

  • Your premises
  • Public liability
  • Vehicles in transit
  • Goods, Plant, machinery, stock and portable hand tools
  • Defective workmanship
  • Business interruption
  • And more

It’s vital that you talk to a specialist broker such as Road Runner so you secure cover tailored for the crash repair sector. This means no tool, piece of machinery, customer car, or employee is left uncovered.

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How much does Bodyshop Insurance cost?

Bodyshop insurance costs won’t be the same for any two people or businesses.

Some of the factors that may impact your quote and policy include:

  • the size and type of your operation
  • number of employees
  • your previous claims history
  • location of work premises
  • value of your tools and equipment
  • the vehicles you work on

At Road Runner, we’ll always work with you and our trusted insurance partners to provide the most reasonable and robust quote and cover for your business.

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Our Criteria

You must be able to agree with the below criteria for us to be able to provide a quote.

  1. You and all drivers are aged 23 and upwards.
  2. You are actively operating a motor trade business for profit or income.
  3. You and all drivers have not been disqualified from driving nor been convicted of driving with no insurance.
  4. You and all drivers have no criminal convictions not spent under the Rehabilitation of Offenders Act nor any criminal convictions pending.
  5. You, any partners, directors, employees, or drivers have never had a policy cancelled, declined, been refused renewal, nor had any special terms or premium imposed.
full list of criteria

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Your Motor Trade Insurance team

We’re proud to present a specialist team who’ll not just provide you with insurance policy options, but also get to know you and your business. So, let’s introduce:

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Spanners
Branch Manager
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Louise Velez
Divisonal Director
Lee Dicks
Lee Dicks
Sales Manager
Fidoo Etwaroo
Fidoo Etwaroo
Renewals Manager
Find out more

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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.