What is car valeters insurance?
Working as a car valet, accidents can happen when you least expect them. All it takes is one mishap to leave your business financially fragile and, unless you have the proper car valeters insurance in place to protect you, you’ll end up paying any compensation out of your own pocket. Don’t be fooled into thinking a generic business insurance policy will cut it though. As a valet, your needs are different from those in other trades, which means you more than anyone need tailored valet insurance built around what you do, designed with your business in mind.
Why do you need car valeters insurance?
As a car valet, your customers trust you with one of their most prized possessions, so will want to be sure it’s in safe hands. Unfortunately, although running a car valeting business isn’t the most hazardous occupation in the world, things can still go wrong. You could accidentally break a client’s laptop while cleaning their vehicle, or an employee of yours might hurt themselves on the job and sue you for negligence. Both scenarios can bring about large compensation claims that lead to significant financial strain.
Here at Tradesman Saver, we’re here to help. We’ve worked with many businesses like yours over the years and, with their help, we’ve designed an insurance policy specifically to meet the needs of your trade, ensuring you’ll never have to foot the bill for any work-related accidents. Just click on our online quote form, tailor a policy to suit your specific needs, and get the valet insurance you need. It couldn’t be simpler.
Please note, your car valeter’s insurance will not cover you for any damage sustained to a client’s vehicle.
Tradesman Saver’s Public Liability Cover For Car Valeters
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit a car valeting business, and public liability is one of the most significant of all. This protects you if your work ends up damaging a client’s property, or injures a client or member of the public. For example, you may need to pay compensation if somebody trips over your tools and injures themselves. Claims like this can cost a small fortune, but having public liability cover means you won’t be responsible for any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a valeters business include employer’s liability, which is a legal requirement for anybody who employs staff, and will cover you if employees make any claims against you. Another useful optional policy is tools & equipment insurance, which provides financial protection should your equipment get stolen or become damaged. Here at Tradesman Saver we have all the coverage you may need as a car valeter — get an online quote today in just minutes, your purchase will provide instant cover.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Car Valeting Insurance: Frequently Asked Questions
What does car valeters insurance cover
Tradesman Saver’s valeting insurance includes public liability, financial loss, legal expenses, products liability, and accidental death as standard. Some of our optional covers may be useful to you too. Our personal accident and income protection covers ensure you don’t become destitute should you ever be unable to work, while employer’s liability insurance is a legal requirement if you hire workers. This protects you should employees—or even subcontractors—make claims against you.
What is a common car valet insurance claim?
Say you’re cleaning a client’s car, giving it the full works treatment, but accidentally drop their laptop and break it, causing your client to claim compensation for damage to their property. This is where your public liability insurance comes in handy—it’ll cover the costs of this claim, letting you carry on doing what you do best with no worries.
Another scenario where your car valeting insurance may be useful is if an employee suffers severe chemical burns while cleaning a car without wearing the correct safety gloves. If this member of staff decides to seek compensation from you for their injury, they could claim negligence against you for not providing the necessary equipment. Employer’s liability insurance is your greatest ally in this situation, as it will cover the costs of the claim on your behalf.
How much is valeting insurance?
Our car valeting insurance packages start from £58 per year, although this is dependent on various factors, including the exact type of work you do, how many workers you employ, and the length of your contracts. Opting for optional covers will also add to the overall cost.
What information do I need to provide for car valeters insurance?
To obtain car valeter’s insurance with Tradesman Saver, you’ll need to give us information like your name, address, and nature of your business. In addition, we also need to know how big your company is, including number of employees and your annual turnover.
Keeping You Safe From Whatever Life Throws Your Way
Running a car valeting business doesn’t seem like it would be the most dangerous occupation, but even the lowest risk careers can cause accidents that can run your business in for a big compensation claim. No matter how careful you are, sometimes this just go wrong – and when they do, you want to know you’re protected. Here are just a few situations where your insurance could really save you in a crisis:
An unfortunate breakage
You’re cleaning a client’s car, giving it the full works treatment. But, unfortunately, as you’re clearing out the back seat to give the car a thorough hoovering, you accidentally drop your client’s laptop and it breaks. Your client then claims compensation for the damage to their property. This is where your public liability insurance comes in useful – it’ll cover the costs of the damage to their property, so you can carry on doing what you do best.
A chemical accident
You’re working with one of your employees, cleaning a client’s car. But as your employee is applying the cleaning chemicals to the outside of the car, they suffer severe chemical burns, due to not having the correct safety gloves to keep their hands protected. They decide to seek compensation from you for their injury. Employer’s liability insurance is your greatest ally in this situation – through it, your insurer will cover the costs of the claim for you, so you can continue to focus on running your business.
Thanks a million. Great product.
Nice and easy to set up. Competitive rates. Hopefully I won’t need to claim but I hope it will go smoothly if needed.
Quick easy and by far the best prices