Car Valeting Insurance

If you work in the valeting industry and your customers leave their vehicles with you, it’s essential to have the right cover. We can provide specialist Car Valeting Insurance tailored to your exact requirements.

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What is Car Valeting Insurance?

Car Valeting Insurance covers motor trade professionals who clean, polish, and spruce up their customers’ vehicles.

Whether you’re operating a valeting service from a garage premises or working at the customer’s home or workplace, it’s essential you have the right protection in place while caring for other people’s cars.

What does Car Valeting Insurance cover?

We read between the lines, dot the ‘I’s’, and polish off the ‘T’s and C’s’ to make sure every aspect of your work is protected by our Valeting Insurance policies. We offer:

  • Cover for vehicles in your care, custody, and control
    We offer comprehensive Road Risks Insurance to keep your and your customers’ vehicles covered. While you’re holding the keys and cleaning equipment for your customers, we’re holding you up and keeping you covered… just in case.
  • Cover those trading from home, premises or mobile
    We know how car valeters operate can differ. That’s why we can adapt our policies to suit the needs of your business.
  • Contents and tools cover up to £25k
    Insurance for goods, plant, machinery, stock and portable hand tools. Our cover ranges from £5k to £25k with no single article limit.
  • Cover for tools and equipment left in your van
    You can’t always keep equipment or tools of the trade in a premises, so make sure your equipment that’s left overnight or for long periods gets the cover it deserves. We provide Mobile Valeting Insurance too.
  • Protection for your premises
    We can include cover for your workshop or garage, so your policy is all-inclusive.
  • Liability cover up to £5m
    Cover to protect you against third-party claims, fake or not. When it comes to the safety of customers, staff, and other visitors, Liability Insurance is your essential buffer from personal claims.
  • No Claims Bonus protection
    Choose to pay an extra premium so that, in the event of a claim where losses cannot be recovered (a write-off), your earned number of No Claim Bonus years are ringfenced. (Terms apply: see your policy booklet or summary of cover for more details.)

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Why choose Road Runner for Car Valeting Insurance?

New customer? It’s a big deal!

New customers enjoy 12 months of cover for the price of 10. There’s no obligation to proceed with a policy if you decide we’re not for you.

Over 25 years of experience

We’ve worked in partnership with the motor trade industry for over 25 years, which means we know the motor trade industry inside-out and we’re the right people to secure the right cover for your car valeting business.

We make it personal

We won’t just get in touch near renewal time. We get to know you and your business, appreciating the specific risks and challenges involved with car valeting, so we secure the most suitable solution for you.

More about Car Valeting Insurance

At Road Runner, we’re not here to clean up – we’ll leave that to you.

Having driven around the block a few times, we understand and appreciate that no two motor traders have identical insurance needs. And we know what car valeting specialists like yourself need in a Car Valet Insurance policy.

We’ll work with you to understand your business and build a tailored, comprehensive policy based on your needs.

Do you need insurance to valet cars?

It’s generally advised for valeters to have Car Valeting Insurance in place. But only two parts of this cover are legally required: Road Risks and Employers’ Liability (if you employ staff).

However, Valeting Insurance, otherwise called Car Detailing Insurance, encompasses a much wider range of protection than just these two types of cover.  At Road Runner, we aim to build our policies to cover any professional work you undertake – including protection for your tools, equipment, work premises and more.

We understand how you work, and we know you’ll always want to take the best care of your clients’ vehicles while covering yourself and your business. And that’s where our Car Valeting Business Insurance can help.

Close-up of a car's analog speedometer showing a speed of about 120 km/h, with a fuel gauge indicator visible below.
Two people standing next to a car, signing a document on a clipboard while exchanging car keys.

How much is Car Valeting Insurance?

Car Valeting Insurance cost varies based on multiple factors. Plus, there are a variety of service levels available.

Some factors that affect the price of your cover include:

  • Whether you work at a business premises or are mobile
  • The size of your premises and its location
  • How many people you employ
  • The age of your employees
  • The value of the equipment and tools you use
  • Your claims history

If you’re looking for more than just Valeting Insurance, why not opt for a Combined quote with Road Runner Plus – our most flexible Motor Trade Insurance solution?

Our criteria

We’re ready to provide you with a quote for our UK Car Valeting Insurance. Before you get in touch, just make sure you fit our criteria:

  1. You and all named drivers are aged over 23.
  2. You actively operate 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 unspent 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 a renewal, nor had any special terms or premium imposed.
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Frequently asked questions

Who needs Valeters’ Insurance?

Valeters’ Insurance is specialist cover for those who valet customers’ vehicles. Whether you work from home, a premises or are mobile. And whether you’re full or part-time.

From a straightforward exterior wash to an interior deep clean, things may go wrong on the job; equipment may break or go missing, or someone could get hurt. This cover is dedicated to the specific risks you’ll face as a valeter. With the correct cover, you and your valeting business are protected from most outcomes and eventualities.

What insurance do I need for car valeting?

It’s sensible to opt for dedicated Car Valet Insurance if you’re a valeter. This will make sure your cover is tailored to the risks that come with the job.

You’ll need a policy that’s built around the needs of your business. Whether you’re looking for fixed-location or mobile Valeting Insurance, a good policy will cater for all your business’ quirks.

Along with protecting yourself from the risks faced by all self-employed traders across the UK, you’ll need to consider:

  • The need to insure your customers’ vehicles so you have at least the minimum cover required by law
  • The additional risks if a customer’s vehicle is left with you overnight
  • The possibility of an accident involving a member of the public where you’re working
  • The value of goods, plant, machinery, stock, and portable hand tools you keep in your premises or van

At Road Runner, we get to know you and your business so we can build a policy based on your exact needs. We make sure you have everything you need to make an informed decision on your cover.

Do car valeters need Public Liability Insurance?

Public Liability Insurance isn’t a legal requirement for car valeters, but having cover in place is usually suggested. Here are a few reasons why:

  • If a customer slips at your premises, or trips over your equipment while you’re working on their vehicle, Public Liability Insurance provides you with robust protection.
  • It can cover legal costs, compensation and other expenses associated with liability claims.
  • It gives peace of mind, so you can operate without liability concerns.
  • And if a customer or visitor lodges a false claim, this cover is also an invaluable tool for your defence.

Why do you need Valeting Insurance?

You need Valeting Insurance to cover the specific risks that come with running a car valeting business. The cover can extend across your whole business, covering everything from your and your customers’ vehicles, to your premises, equipment and tools.

From family hatchbacks to fast-track Ferraris, you’ll always want to take the best care of clients’ vehicles. Which is why, in case anything doesn’t go according to plan, you can fall back on Car Valet Insurance from Road Runner.   

We pride ourselves on the personal touch. We not only appreciate the different needs of your service compared with other trades in the motor trade industry, but also recognise that no two car valeting businesses are the same. So with us you’ll get the cover you need.

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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