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Safety comes first as an auto electrician. You uphold the highest standards when going about your work, so why get left behind when arranging insurance?

Standard policies may not provide sufficient cover for the many risks you face as an auto electrician. That’s why you should consider personalised policies through auto electrician insurance.

What is auto electrician insurance?

Auto electrician insurance allows you to choose from a selection of cover options depending on where and how your business operates.

Auto electricians are increasing in demand as car systems become more sophisticated. Diagnosing and repairing faults can be complex, but finding suitable auto trader insurance for a specialised skill with Gallagher can be straightforward. Make sure you and your tools are protected with auto electrician insurance.

With decades of experience in the auto trade industry, we understand that the having appropriate cover in place can help take the stress out of insurance and put the spark back into your business.

What does auto electrician insurance cover?

Auto electrician insurance policies vary depending on the type of cover you may need. Most traders should consider road risk insurance, public liability cover, and protection for tools they require. However, the exact details of your policy are up to you — and your insurer.

At a minimum, you’ll most likely need road risks insurance so that you’re insured to drive customers’ vehicles when working on them, especially if you offer a collection, delivery or test drive service.

In most cases, you can choose from three levels of road risks insurance:

  • Third-party only — insures against damage caused to third-party vehicles if at fault.
  • Third-party fire and theft — provides cover to third-party vehicles and protection against fire and theft of those you own.
  • Comprehensive — provides cover for damage caused to third-party or vehicles you own, alongside added protection for windscreen, loss of keys, breakdown, and more.

Auto electrician insurance policies can also include:

  • Public liability - if a member of the public gets hurt on-site, public liability insurance covers the cost of the compensation.
  • Employers’ liability - workplace accidents happen. Employers’ liability insurance is a legal requirement that safeguards your business against employee injury claims.
  • Business premises - if your premises are damaged, garage buildings cover insures you up to the cost of a complete rebuild.
  • Tools in transit – Transporting tools in your trading vehicle? Protect your equipment from theft and damage while being driven around, loaded and unloaded.
  • Vehicles in transit – if you’re transporting customers’ vehicles for assessment or repairs, you must have insurance against damage and third-party liability.
  • Commercial vehicle – if you use a vehicle for business reasons, commercial vehicle insurance covers it against damage, theft and third-party liability.
  • Engineering inspection - connects you with qualified engineers who’ll conduct checks on your business’s equipment and keep your garage running smoothly.
  • Defective workmanship - provides specific cover for proven claims of professional negligence in relation to supply or fitting of vehicle parts, which may result in third party injury or property damage.
  • Business interruption - protects your business against damage that renders your premise inoperable or unoccupiable, such as fire or flooding.

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.

Why choose Gallagher?

Gallagher understands the risks faced by the motor trade industry. We work with insurance specialists to ensure that you have the policy that sufficiently covers your business — get a quote online or call 0800 062 2312 and get your auto electrician insurance quote today.

Auto Electrician Insurance

  • Get Comprehensive cover to include windscreen protection, loss of keys and breakdown
  • Public Liability option to cover members of the public while on-site
  • Tools in Transit - protect your equipment from theft & damage while on the move
  • Business interruption - protect your business against damage that makes your business inoperable or unoccupiable

Frequently Asked Questions

  • Gallagher Road Risk Team

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