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Car valeting insurance

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What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Car valeting insurance – why is it important?

From the equipment you rely on to looking after customers’ cars, running a car valeting business comes with a range of specific risks. The good news? Whether you use expensive equipment or employ staff, business insurance is there to protect you against unexpected costs.

  • compare cover from expert UK brands and protect your business
  • UK-based claims team, award-winning and available 24/7
  • car valeters insurance online, from quote to claim

Start your quote

What does car valeters insurance cover?

Public liability insurance is usually a key cover for many businesses. It protects your business against compensation claims if a member of the public gets injured or loses out financially. Beyond that, tailor your policy to your needs as a valeter, adding covers as you need them.

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for car valeters?

Claims against your business for:

  • causing damage to someone’s property, caused by you or as a result of your work
  • causing illness or injury because of your business activities
  • accidental damage or injury caused by your employees, if you have any

For example:

  • you spill hot coffee over a client during a meeting, causing a burn
  • a contractor working on the same premises as you trips over your tool kit, breaking their knee in the fall
  • one of your employees causes extensive damage to your client’s property when reversing their van

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your valeting business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury that happens as a result of working for you (including temps and casual workers)
  • an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your employee injures their lower back while moving furniture at your premises and holds you responsible
  • an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
  • a member of staff trips over while unloading business equipment, injuring their knee

Business contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

  • destruction and damage of your contents equipment, such as furniture or photocopiers
  • cover for flood or fire damage, plus theft and vandalism

For example:

  • some of your business equipment, including a printer, is damaged by a fire
  • several TV screens you use for virtual meetings are stolen by thieves
  • an upstairs leak in your premises causes damage to the sofa and chairs in your reception area

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your car valeting business.

Claims against your business for:

  • a dispute relating to debt recovery, including judgement enforcements
  • an investigation into your tax affairs
  • someone using your company’s identity illegally

For example:

  • one of your clients has informed you that they believe you haven’t met the contractual requirements of their purchase agreement, and they’re refusing to pay an outstanding invoice
  • HMRC investigates your recent tax return, triggered by a fluctuation in your business income
  • someone gets hold of your company bank details and uses them to buy goods and services

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

  • accidental injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
  • medical costs, lost income, and hospitalisation benefit

For example:

  • your business partner, who’s named on the policy, is injured while ice skating and left permanently disabled
  • you fall down some stairs at home and lose the use of your right arm
  • an employee you’ve covered is playing squash at the weekend and hits their head on the wall, causing concussion and a hospital stay

Read more about personal accident insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

  • the cost of replacing the stock you use to run your business
  • stock that’s been destroyed, lost, stolen, or damaged
  • stock includes food and drink products as well as branded materials and sellable items

For example :

  • a fire in your shop destroys key stock
  • your stockroom gets flooded by a leaking pipe
  • someone breaks into your shop, stealing stock and damaging stock they leave behind

Read more about stock insurance

Tool insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tools insurance?

Claims against your business for:

  • accidental damage to your car valeting tools and equipment
  • theft of the tools you use for your business
  • loss of your business tools

For example:

  • your tools are stolen from your car or van
  • you lose some expensive equipment on the way to a job
  • a flood causes irreparable damage to your tools

Read more about tool insurance

Business buildings insurance

In case something happens to your business premises.

What’s typically covered by business buildings insurance?

Claims against your business for:

  • the cost of structural repair (or rebuilding from scratch) following damage to your building
  • damage to fixtures and fittings
  • underground pipes and cables that you’re responsible for

For example:

  • someone vandalises your shop with graffiti, which you need removing ASAP
  • your shop’s non-slip rubber flooring gets damaged during a refurb and needs replacing
  • a non-supporting wall in your building has been damaged and needs replacing

Read more about business buildings insurance

Excess insurance

In case you need to make a claim on your policy.

What's typically covered by excess insurance?

Claims made by you for:

  • the cost of the excess you’d have to pay when making a claim on a cover included in your [TRADE] insurance policy

For example :

  • strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
  • a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
  • a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does car valeting insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.49 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

No excess

£750

Employers' liability

No excess

No excess

Contents

£200

£4000

Stock

£200

£4000

Main building

£200

£400

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

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How do claims work for car valeters?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

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Car valeters insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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