List servicing, MOT testing, tyres, diagnostics, recovery, sales, body repairs, mobile work and subcontracted activities.
Renewal preparation
Garage Insurance Checklist
A practical list of the information a garage, MOT station or autocentre should review before requesting terms or renewing cover.
Confirm maximum customer and stock vehicle values, courtesy cars, performance vehicles and overnight storage.
Use realistic rebuilding, contents, tools, machinery and stock values rather than historic purchase prices.
Check employees, apprentices, directors, casual workers and everyone who may drive under the policy.
Record alarms, CCTV, key control, fencing, lighting, immobilisation and fire precautions.
Estimate how long it could take to rebuild, replace equipment, recalibrate and resume MOT testing.
Why accurate information matters
Commercial insurance relies on a fair presentation of the risk. Material changes should be disclosed clearly, and assumptions or statements of fact should be checked rather than accepted automatically.
Focused commercial insurance guidance
A short garage insurance checklist
A garage can have risks from vehicles, tools, employees, customers and the premises itself. A good renewal check should cover each area.
Start with accurate records. Then confirm that security, vehicle custody and business activities have not changed since the last review.
- Update tools and equipment values.
- Check customer vehicle controls.
- Review premises security.
- Confirm staff and business activities.
A simple checklist can uncover changes before renewal.