Vehicle recovery and transport

Recovery Operator Insurance

Cover for recovery vehicles, roadside operations and vehicles being transported or held in your custody.

Specialist cover

The recovered vehicle can be as important as the recovery truck

Operators need to consider road cover for their own fleet, liability for vehicles being recovered, loading and unloading, storage, roadside work and any wider repair or salvage activity. Contract work for police, breakdown networks or fleets may also impose specific insurance requirements.

Recovery fleet

Road cover for trucks, transporters and support vehicles.

Vehicles in custody

Customer vehicles during recovery, transit and storage.

Public liability

Roadside, loading and premises-related third-party claims.

Premises and compounds

Buildings, fences, lighting, CCTV and stored vehicles.

Equipment

Winches, cranes, straps, diagnostic and roadside equipment.

Business interruption

Support following insured damage to critical premises or equipment.

Guidance for recovery businesses

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Focused commercial insurance guidance

Break the recovery operation into simple parts

Start with the recovery vehicles and the work they do. Then describe roadside activity, vehicle transport, storage and any repair or salvage work.

Customer vehicles can remain in the firm’s care for several stages. Clear handover, condition and storage records can help explain that responsibility.

  • List recovery vehicles.
  • Describe roadside methods.
  • Record vehicles in custody.
  • Explain compound security.

A clear risk description is better than one long list of activities.