Recovery Operator Insurance

As well as flexible, quality cover, insurance through Jensten Motor Trade offers you the following benefits:

• Dedicated in-house claims service
• Service from quote to claim
• Discounts available for claims free driving
• Automatic cover for your own vehicle
• Legal liability insurance
• Road risk-only options
• The option of comprehensive, third-party fire and theft or third party only cover

Recovery operator insurance is designed for businesses involved in vehicle recovery, roadside assistance and vehicle transportation. This includes independent recovery operators, roadside assistance providers, breakdown contractors, police recovery agents, heavy recovery specialists and businesses carrying out work for organisations such as the AA, RAC or Green Flag. If you recover, tow, transport or store vehicles as part of your business, a specialist recovery policy can help protect your vehicles, liabilities, equipment, premises and the vehicles entrusted to you.

Elements are compulsory. If you are going to drive vehicles on the road, you will need a road risks element to your policy. You’ll also need employers’ liability insurance (EL insurance) if you employ staff within your business and engineering inspection service if you service or repair vehicles.

Recovery operator policies can provide cover for customers’ vehicles while they are being recovered, transported or stored, subject to policy limits and conditions. The level of protection available will depend on the cover selected and the declared vehicle values. It is important to ensure that the sums insured accurately reflect the types of vehicles you handle, particularly where prestige, high-value or commercial vehicles are involved. Your broker can help ensure the correct level of protection is in place for your operation.

Yes, but only in connection with the business if it is owned by the business or is in custody or control of your motor trade business. It may be more cost-effective to limit the covers to keep your premium down.

Yes. Recovery operators can usually insure multiple recovery vehicles under a single policy, making it easier to manage cover across the fleet. Policies can be tailored to include a mix of light and heavy recovery vehicles, slide beds, accident units and specialist recovery equipment. Each vehicle should be declared correctly, including its type, weight and intended use. Cover can often be adjusted during the policy year as vehicles are added or removed, ensuring your fleet remains appropriately protected as your business grows or changes.

While these policies may look the same, road risks only covers driving vehicles on the road. Traders combined insurance, on the other hand, can offer a much wider range of essential protections, such as premises, material damage cover and liabilities amongst others.

Yes. Recovery operator insurance can be arranged to include cover for storage yards, compounds and premises used in connection with your recovery business. Cover can extend to customers’ vehicles in your custody, buildings, equipment and liability exposures associated with operating a recovery business. Underwriters will typically consider factors such as perimeter security, CCTV, key management procedures, fencing, lighting and environmental controls. Securely managed compounds are an important part of effective risk management within the recovery sector.

There are several ways of cutting motor trade insurance costs, including:

• Limit the number of employees on your road risks policy
• Building up your no-claims bonus
• Employing drivers with low or no motoring convictions or claims
• Making sure your premises (if you have any) are secure and have CCTV/a web-based security system
• Always use an independent broker such as Jensen Motor Trade.  A specialist independent motor trade insurance broker will have the knowledge to ensure you get the recovery operator insurance you need and can do the shopping around for you

At Jensten Motor Trade, we are more than happy to discuss the different ways we can help you save on your motor trade premium.  All it takes is a call to our specialist motor trade insurance team to start the quote process.  Alternatively, you are welcome to complete our online quote form, and we call you to discuss your requirements.

Getting a quote is easy.  You can call us on 0208 298 2100, and the team will be happy to help you find the protection you need.  We work with a panel of different insurance companies and can help find the appropriate cover to suit your individual needs.