Cover to protect your vehicle, your tools and the associated liability

As an automotive SMART (Small and Medium Area Repair Technique) repair business, you face a unique number of risks, not just when repairing scratches, dents, alloy wheels or respraying vehicles, but also while on the road. Our SMART repairer insurance provides cover to protect your vehicle, your tools and the associated liability, keeping your business moving.

As your business is generally mobile, you will need specialist SMART repairer insurance policy, as any other policy, such as those taken out by traditional body shops/garages, simply won’t cover you correctly. Similarly, commercial insurance or motor trade combined insurance policies won’t offer the right level of protection and are more often than not too expensive for SMART repairers.

What is automotive SMART repairer insurance?

SMART repairer insurance protects SMART repairers from the risks they are likely to be taking when fixing and repairing the cosmetic elements of a client’s car. This type of policy can ensure you are covered if you are working on or moving a customer’s vehicle to another space, allowing you to get on and do your job without having to worry. Our policies are also extended to include liability to members of the public, for any injury and damage caused to third parties and/or their property, whilst carrying out your day-to-day business activities.

What does a SMART repairer insurance policy cover?

We understand that your business will include risks that typical motor trade combined insurance policies may not include, which is why we incorporate areas such as public liability, work away from your premises, as well as theft of tools from your vehicle overnight (provided that the relevant security was in place).

If you work from a fixed business premises where you carry out some of the repairs, there may be occasions when customers’ vehicles are kept overnight. A SMART repairer insurance policy will ensure you and the customer are protected should the car get stolen whist In your custody, care and control.

We cover hundreds of satisfied automotive SMART repair clients, and can place cover quickly – even on the same day, if required – thanks to Delegated Underwriting Authority we have from our Insurer partners.

Our experienced team will only ever recommend products that suit your business, but if you do require additional areas of cover including Engineering Inspection, Management Liability, Cyber, Excess of Loss, Gallagher Business Assist, Crisis Resilience, Risk Management and Legal Expenses cover, we can arrange these in addition to your SAMRT repairer policy.

How can Gallagher help my business?

Ensure your business and livelihood are protected with a SMART repairer insurance policy from Gallagher. Our policy has been designed with you and your business in mind and with that, we understand that many SMART repairers are smaller, mobile businesses - which is why we offer suitable cover and monthly payment options*.

Please contact us for further information and to request a SMART repairer insurance quote.

What if I need to make a claim on my SMART repairer insurance policy?

We hope you will never have to, but if you do ever need to make a claim, we'll ensure this is handled as quickly as possible so that you can receive your settlement and get back to the day-to-day running of your business. Contact an experienced member of the team today to see what we can do for you.

Smart Repair Insurance

  • Cover available on all-risks basis
  • Monthly payment options available*
  • Cover includes spraying away from the premises and overnight theft
  • Same day cover available

*Provided by Premium Credit Limited subject to credit check, please see policy details for terms and conditions.

  • SMART Repair Insurance Team