Whether you operate full-time or part-time, tyre fitter insurance helps protect your tyre fitting business from the many risks you may face as a business owner, including theft and damage.
What is tyre fitter insurance?
Tyre fitter insurance is a specialised type of motor trade insurance designed for businesses involved in tyre fitting and exhaust repair services. It covers the risks of working in the tyre fitting industry, whether you operate from a workshop, garage, or on the road as a mobile service.
Available for part-time or full-time businesses, tyre fitter insurance can include a range of covers that can provide added security. For example, it can include public liability cover for when a member of the public makes a claim against you.
What does tyre fitter insurance cover?
Tyre fitters insurance can include road risk insurance, which helps protect you if you drive customers’ vehicles as part of your services. This cover is available in three levels:
- Third-party only: Can provide cover for damages or injuries caused to others when driving a customer’s vehicle
- Third-party, fire and theft: Can cover third-party damage as well as protection for fire damage or theft of the vehicle.
- Comprehensive: including third-party damage and damage to the customer’s vehicle, plus protection against fire and theft.
Policies can also include:
- Public liability: Can provide cover for claims of injury or property damage caused to third parties during your work.
- Employers’ liability: Can cover claims from employees who get ill or injured while working for you.
- Legal expenses: Can help with the costs of legal action, such as defending claims or chasing unpaid invoices.
- Tools in transit: Can protect your tools and equipment while transporting them between jobs.
- Commercial vehicle cover: Can offer protection for vehicles used in your business, covering potential damage or theft.
- Business premises: Can cover risks to physical premises you may use for your business operations.
- Tools and equipment: Can provide cover for essential tools and equipment against damage, loss, or theft.
- Business interruption cover: Can help protect your income if you’re unable to work subject to policy conditions.
- Cover for young motor traders: Can offer tailored protection for young or inexperienced motor traders who may face higher risks.
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements. Policy limits and exclusions may apply, please see the policy wording for full terms and conditions
How much does tyre fitter insurance cost?
There isn’t one set price for tyre fitting insurance. How much you will pay depends on many factors, which include:
- Level of cover and policy add-ons: Adding extras to your policy can increase costs but may provide essential protection.
- Value of tools and equipment: Insuring higher-value items typically raises premiums.
- Location of your business: Areas with higher risk may incur higher insurance costs.
- Age of driver: Younger drivers may see increased rates.
- Security measures: Enhanced security protocols can help lower premiums.
How to lower the cost of tyre fitter insurance
You may be able to lower the cost of tyre fitting insurance by following these tips:
- Pay annually rather than monthly: Save on interest fees by paying in one lump sum.
- Build your no-claims bonus: Staying claim-free can help lower your premiums.
- Increase voluntary excess: Opting for a higher excess can reduce monthly premiums.
- Add extra security: Steps like fitting alarms or securing locks can lead to lower rates.
- Carry fewer expensive tools: Reduce the items insured to lower costs.
- Limit younger drivers: Fewer drivers aged 25 or under on your policy can also mean lower premiums.
Why choose Gallagher?
At Gallagher, we work with you to understand the nature of your work and the risks you face. That way, we can develop a tailored policy for your tyre fitting business. We have decades of experience sourcing motor trade insurance policies, so rest assured, we can provide to help you find suitable cover to protect you and your business.
- Easy and convenient: Compare prices from our panel of A-rated insurers* and secure a quote.
- Rated ‘Excellent’: Over 6,000 customers have reviewed Gallagher on Trustpilot**. We also have an independent service rating of 4.6/5.
- Specialist guidance: A dedicated team of specialists can provide you with advice and guidance on finding suitable cover.
- Tailored policies: Every business is unique, which is why we can tailor our policies to suit your unique circumstances and business needs.
- Immediate cover: Take out a policy and get immediate cover to help protect your business.
- UK-based team: Speak to the friendly UK-based Gallagher SME Team to discuss your policy and find suitable cover.
* Independent ratings from third party rating companies. Correct as of May 2025
** Correct as of May 2025.
FAQs
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Do you need insurance to be a mobile tyre fitter?
Motor insurance is a legal requirement for any vehicle used in your mobile tyre fitting business. It’s also recommended to consider public liability insurance to help protect yourself against claims for accidental damage to property or injury to others while on the job
Please note that these Frequently Asked Questions are not a substitute for the policy wording.
Your tyre fitter insurance policy can include:
- Buildings and contents
- Body shop equipment such as spray booths, lifting tables and compressors
- Portable hand tools cover
- Tools and equipment cover
- Courtesy cars
- Public liability
- Employer’s liability
- Road risk only insurance
- Combined motor trader insurance
- Personal, friendly, expert service from your own dedicated account manager
- Professional indemnity insurance
- Public liability cover
- Risk management
- Insurance cover for buildings
- Employer’s liability
- Loss of income due to accidents or injuries
- Directors and officers cover
