MOT Station Insurance

That is a professional exposure rather than a straightforward property claim, and it is why the liability sections matter here. Calibration and inspection records are the practical defence.

They are exactly what public liability is for. A waiting area near a working bay is a real exposure, and separating the two physically is worth doing regardless of the insurance.

For a testing station, usually. The income stops when the bay stops, and specialist equipment can take weeks to replace, so the indemnity period needs to reflect that rather than a fortnight.

While in your custody, yes, under the road risk and custody sections. The single vehicle value limit still applies, which matters if you test anything expensive.

Considerably. Holding and working on vehicles brings workmanship exposure, parts stock, more tools and much longer custody periods, so the trade description has to cover both activities rather than describing the business as a testing station alone.

It is fixed equipment and should be listed. A ramp failure damages the vehicle on it and puts the bay out of use, which touches three sections of the policy at once.

Yes, and it is a cleaner risk to underwrite. The trade description simply records testing, with no workmanship exposure behind it, and that usually produces better terms than a broad garage description covering everything a workshop might do.

Once you handle vehicles belonging to somebody else, yes. A private or ordinary business policy is not written for vehicles in your custody, and the gap only becomes visible at claim time.

Road risk if the work happens at the customer or on the road. Combined if you have premises worth protecting, stock on site or tools you could not replace quickly.

They can, where they are declared and meet the age and licence terms. Insurers expect to be told about anyone who drives, including people helping out at weekends.

Trade policies generally set one, and it is often higher than on a private policy. Younger drivers can usually be added, but the terms and the excess will reflect it.

That depends on whether you have taken premises cover. Road risk is about driving; vehicles standing on site need the combined side of a policy to be properly protected.

Almost always. Insurers set out where keys must be kept and how, and a claim following keys left in or near a vehicle is the one most likely to be refused.

They are usually covered within the trade policy rather than separately, but confirm it. Their use is also governed by rules of its own that sit alongside the insurance.

Usually a day or less once the information is complete. Having the driver details, the turnover figure and the claims history ready before you start is what turns a week of messages into a single conversation with a broker.