Car and Vehicle Recovery Insurance

Car and vehicle recovery isn’t just for big consumer brands anymore. These days, subcontractors and independent recovery workers have taken their rightful place in the market as well. And if this is your type of work, we’ve got you covered.

What is car and vehicle recovery insurance?

Car or vehicle recovery insurance is there to protect breakdown and car recovery specialists from risk and third-party claims, whether that’s after an accident with a member of the public or damage to a recovered vehicle.

Do you need car and vehicle recovery insurance?

Attending callouts to potentially dangerous sites to recover broken down vehicles can throw up a lot of risks. It’s important to make sure you have the correct car recovery cover in place.

A large proportion of breakdown callouts can’t be recovered on the roadside, meaning the vehicle will need to be transported elsewhere, whether that’s to someone’s house or a nearby garage. Road Risk insurance covers you for risks that occur in your day-to-day driving and forms a key part of your car and vehicle recovery insurance.

Dealing with the public and being responsible for their safety adds another layer of risk on top of this too. This is where Liability insurance is important to cover claims made by third parties.

On top of this, you can get covered for storage and premises too, which would come under Premises insurance.

There are penalties for those who don’t comply with the regulations that sit within the breakdown and recovery sector. Certain levels of cover are required by law.

Have you thought about the following for car and vehicle recovery insurance?:

There are a few questions you might not have considered when it comes to car and vehicle recovery insurance.

• The risk of damage to a vehicle while being recovered by you?
• The possibility of an accident involving a member of the public while you are carrying out a recovery operation?
• The impact on your business if your vehicle is damaged through no fault of your own?