Tyre Fitters Insurance

Higher than the default on a small trade policy, for most fitters. The consequence of a detached wheel is what you are insuring against rather than the value of the tyre.

Where it is declared. Working beside live traffic is a different injury exposure from a depot bay, and insurers will ask about equipment, visibility and how the site is made safe.

Under the stock section. It is worth declaring properly because tyres are bulky, valuable in quantity and burn fiercely, which affects how and where insurers want them stored.

As equipment, yes. Machines, balancers and inflation cages should all be listed on the schedule, particularly where any single item is worth more than the standard single item limit the policy applies to tools generally.

If you drive customer vehicles into a bay or move them around a site, yes. It is easy to overlook on a fitting business but it is used every day.

The consequences are larger, the equipment is heavier and the vehicles are harder to handle, so it is worth declaring commercial fitting separately rather than describing everything on the policy as tyre fitting and hoping it covers both.

Many fitters do and record that they did. It is good practice and it helps considerably if a wheel later comes loose and the question of advice arises.

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.