A Guide to Cover For Car Valeters
The last thing you expect when you send your car off to get a good clean is for it come back damaged. Car valeters are highly-skilled at what they do and take great pride in their work, but even the most diligent of them aren’t immune to risk.
That’s why car valeting insurance is essential to anyone involved in cleaning cars, inside and out. Even what seems like the tiniest bit of damage can cost a fortune to repair and car valeters need to be protected against costly claims.
Car valeters use some sophisticated, often dangerous, machinery to and hazardous chemicals to clean cars. Although the vast majority of times, they end up getting a car clean and shiny they can, on occasion, be responsible for causing expensive damage to the vehicle.
What type of policy do I need?
Not all car valeters operate in the same way, some are part-time, other full-time. Some can work at home or at a central premises while other even operate callout services and some can be sub-contracted by garages or dealerships.
The many types of car valeting insurance reflect this, so it’s a good idea to compare car valeting insurance at MTI.
Therefore, you need to work out exactly what type of car valeting insurance you need before purchasing a policy
Not matter what category you fall into, however, you will need to consider the following features:
Valeters Liability insurance
Emlpoyer’s liability is a legal requirement for anyone operating a company which employs staff. The law demands that you have a minimum of £5million worth of cover in place, but a lot of motor trades insurance providers will offer up to £10million cover.
Employer’s liability insurance will cover you against claims made against you or your company if a car valeter working for you becomes ill or is injured while at work.
While not a legal requirement, public liability insurance is highly recommended as part of your car valeters insurance. A customer or member of the public could bring a claim against you if they fall ill or are injured on your company premises or as a result of work carried out by one of your car valeters.
Specialised Valeters Policy
This is not only to cover cars your company owns, but also those of your customers. Motor trade insurance helps while providing cover for your staff if they are collecting cars which belong to customers to take them to be cleaned.
Depending on your own circumstances, you may consider a number of optional extras as part of your car valeting insurance policy, such as business interruption, cover for tools and equipment and loss of money.