Breakdown & Recovery Insurance

Yes, certain levels of cover are required by law for breakdown operators. And there are penalties for those who don’t comply with the regulations that sit within the breakdown and recovery sector.

Attending breakdown and recovery callouts to potentially dangerous sites can throw up a lot of risks. As a mechanic or breakdown specialist, it’s important that you make sure you have the correct Recovery Operator Insurance 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, such as a customer – or a nearby garage. Road Risk Insurance, an element of this cover, protects against risks that occur in your day-to-day driving and forms a key part of your policy.

Dealing with the public and being responsible for their safety adds another layer of risk for those working in roadside recovery and breakdown repairs. This is where Liability Insurance is important as it covers claims made by third parties – even the fake ones.

On top of this, you can get covered for vehicle storage, and garage workshops and storage spaces too, which would fall under Premises Insurance.

This cover is required to protect yourself and the activities and tasks carried out by your business. Here are just a few things to consider:

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

A policy of this type will have a different cost for every customer. Our personal approach means we look at each individual business and consider their needs, before entering into any discussions or negotiations with possible insurance vendors.

If you’re getting in touch to find out your Recovery Operator Insurance cost, we’ll always endeavour to offer you the most comprehensive, suitable cover at a fair price.