Car Valeting Insurance
Why choose Howden for Car Valeting Insurance?
Here at Howden we understand how difficult and stressful it can be for tradesmen to find the insurance policies they need, and that’s why we do our best to do the heavy lifting instead, so you don’t have to. Thanks to the brilliant relationships we have with our selected panel of both standard and specialist insurers, we’re able to make the process of sourcing various different car valeting insurance cover options, on your behalf, simple and straightforward.
Our team of experts know that each car valeting insurance policy needs to be unique and tailored to each owner and their business. That’s why we provide a personalised service to our clients, which focuses on getting to know you and your business better, whilst also learning more about what you want from your car valeting insurance policy.
So, what are you waiting for? Whether you need to make a claim, purchase a new car valeting insurance policy, or renew an existing one, just know that we’re always here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
What is Car Valeting Insurance?
Car valets will know that doing their job comes with risks, and accidents can happen, like they can with any job in the trade industry. That’s why they need insurance, but a specialist from of insurance that can provide suitable protection that can cover the business activities of a car valeting business.
That’s the purpose of car valeting insurance, to provide specialist cover for car valeting businesses. It can cover employee accidents, loss or theft of tools, legal costs or vehicle damage caused by the work of your business, and much more. Ultimately, it’s a motor trade cover that’s uniquely designed to support car valets as they clean and detail cars, whether they work from home or on the road as a mobile business.
With Howden, there’s also no such thing as a one size fits all car valeting policy, because we know how different and unique each policyholder is. Every business owner will have their own insurance requirements, and we believe in doing everything possible to make sure everyone can get access to an insurance policy that suitably protects their business.
Do you need insurance to valet cars?
Whilst having insurance that backs your car valeting business isn’t a legal requirement, it is highly recommended. If a claim is launched against you and your business, whether it’s coming from an employee, member of the public or client, you could end up needing to pay compensation and legal costs if you don’t have the right insurance, which could harm your business financially. What if one of your tools gets stolen or damaged? Or what if the van you drive between jobs required immediate repair and you don’t have the right insurance in place?
Having the right insurance in place could save you having to pay out your own pocket, and that’s why we recommend to all car valets and detailers that they get their hands on a comprehensive car valeting and detailing insurance package and covers all aspects of their business.
What insurance do I need for car valeting?
We offer a wide range of insurance products for car valets, so they can cover all aspects of their business and their activities. If you’re yet to get any insurances for your car valeting business, we’d recommend that you get public liability cover to start off.
Public liability insurance cover is a crucial for car valets, as it protects them financially in case they are found liable for injury to a third party or damage to their property during the course of their work.
However, there are other business insurance products that car valets can purchase to provide themselves with sufficient protection too, including:
Public liability insurance
Arguably the most valuable product for all motor trade businesses, public liability insurance provides support against third-party compensation claims relating to accidental damage or injuries.
Employers’ Liability insurance
If you employ people as part of your business you’re legally required to have employers’ liability cover as part of your car valet insurance.
Personal accident insurance
No car valeter’s insurance package is complete within personal accident cover, the perfect policy for protecting those that are accidentally injured or unable to work for the business.
Tools insurance
Claim compensation, repairs or replacements if your tools are lost, damaged or stolen – whether it be cleaning chemicals or every-day equipment.
Legal expenses insurance
Claims against your business can resort to legal disputes, which are rarely cheap to resolve. However, legal expenses insurance can have your back.
Business buildings insurance
Car valeting companies rely on their business premises to be protected at all times so they can run their operation smoothly and efficiently – that’s the role of buildings cover.
Business van insurance
You look after customers vehicles all day, so why not protect your own. Get business van insurance to keep your operation on the road.
Still not what business insurance you need to comprehensively protect your business? That’s okay. Get in touch with us today and we can help you build a well-rounded car valeting insurance package and ticks each of your boxes.
How much does car valeting insurance cost?
Car valeters’ insurance premiums can vary, depending on the insurance company providing the policy and the policyholder’s requirements. Essentially, depending on what the policyholder requires and the price an insurance provider charges for a policy will depend on how much a car valeting insurance premium will cost.
Providers calculate their premiums based on the following factors:
- The size of your business
- Where your business is based
- What risks you’ll face as a car valeter
- The amount of policy excess you’re willing to pay
- Whether you pay for the policy upfront as a lump sum, or in monthly instalments
- Your claims history
Ultimately, the best way to find out how much you expect to pay for a car valeting insurance policy is to get your hands on a quote.
As an insurance broker, we can help you do this. Our team of insurance experts will do the heavy lifting for you, comparing various, tailored quotes and helping you find the right cover for you and your business. You can speak to us by either giving us a call on 01993 894 700 or visiting us in a local Howden branch, or if you’d rather, you can scroll to the top of this page and click Get a Quote, and we’ll get back to uou.
Any client of ours can also opt to pay upfront or by direct debit through monthly instalments. It's your call.
Who do we also insure?
Not only can we help car valets, but we can also offer cover for a wide range of other tradesmen, such as:
- Bricklayers
- Builders
- Cleaners
- Contractors All-Risk
- Contractors
- Electricians
- Gardeners & Landscapers
- Gas Engineers
- Handymen
- Limited Companies
- Market Traders
- Mechanics
- Painters and Decorators
- Plumbers
- Roofers
- Sole Traders
- Subcontractors
- Tradesmen
- Tree Surgeons
- Window Cleaners
Related Articles
Want to learn more about insurance for car valets? Have a read of the articles below that you can find on the Howden Blog!
What mobile car valeting insurance is available?
Car valets that drive from job to job can get access to the same business insurances that any other car valet can. Whether you work solely from a business premises or operate a mobile valeting business, you can get your hands on the same insurance products that can compliment your overall car valeting insurance package.
We’d generally recommend to mobile tradesmen that they get commercial vehicle insurance and tools insurance, to ensure that their operation runs smoothly between jobs whilst on the road and that they never have to pause their works when a valuable piece of equipment goes missing, is stolen or gets damaged.
What's the difference between car detailing insurance and car valeting insurance?
The terms “car detailing” and “car valeting” have very similar definitions, both focused around cleaning cars.
Car detailing is commonly used in America, whilst in the UK, many businesses offer both car valeting and car detailing services and the terms are used more interchangeably. Both terms do refer to the exterior and interior cleaning of cars, whether it be the wheels, windows, seats, lights, but detailing is more often used to describe a more thorough, meticulous service.
All in all though, car valeting and car detailing are both very similar services, and therefore, the their respective insurance policies are similar too. Regardless, whichever service you provide as part of your business, we can help you find an insurance policy that fits the bill.
Do you need insurance for mobile detailing?
Yes, insurance is important for mobile car detailing businesses, just as it is for any business that involves providing services to customers. Having the right insurances in place could maintain both your business’ finances and its day-to-day activities when something goes wrong.
It’s important to remember too that if your business employs members of staff, you’re legally required to get employers’ liability insurance. Employers’ liability insurance protects businesses from financial losses associated with employee claims of work-related injuries or illnesses.
More Resources
Articles about running a small business
Read any of the articles below to learn more about going self-employed, or starting and running your own small business:
Day-to-day running your business
- Running a business from home: Council rules in the UK
- Is your business ‘outstanding’?
- Turn business challenges into triumphs
- How does diversity help your business grow?
- Minimum wage rise - good or bad news for small businesses?
- What is the UK tax return deadline?
- New legislation impacting your business
- What is Employment Allowance UK?
Starting your own business
- Business insurance brokers: what are they and how can they help?
- How to trade mark a name in the UK
- What’s on the HMRC starter checklist?
- Small Business Grants to Be Aware of in the UK
- How to Register a Name for a Business in the UK
- What to know about your business tax account (HMRC)
- Types of Business Insurance You Should Know About
- What business insurance do I need?
- How to Invoice as a Sole Trader: Your Step-by-Step Guide
- Sole Trader Advantages & Disadvantages
- What is a sole trader in the UK?
Self-employed professionals
Latest guides on business terminology, documents and formulas
There are so many business documents, formulas and terminology that need to be considered when operating a business. Here are some guides on key aspects of business:
Business calculations & formulas
- Margin of safety: formula, and more
- How to Calculate Turnover for Your Company
- Gearing ratio: what to know for your business
- How to calculate VAT: A complete guide
Business jargon
- CapEx vs OpEx: What’s the difference?
- What is the domestic reverse charge?
- What is Turnover in Business? A Complete Guide
- What to Know About Return on Capital Employed (ROCE)
- What is PAYE? All the info you need
- What is Employment Allowance UK?
- How much is a damp proof course?
- What is a holding company?
- What is Capital Expenditure in Business?
- What is a PO number?
- What is operating profit?
Business documents
Guides about business liability insurance
Making sure your business is covered with the right liability insurance is crucial – whether it be public liability, employers liability, professional indemnity insurance, or something more specific.
Read up on how different types of liability insurance work by reading any of the articles below:
- Is public liability insurance compulsory?
- The Difference Between Employee & Public Liability Insurance
- What is Public Liability Insurance? (Full Guide)
- All you need to know about public and product liability insurance
- What’s the average employers’ liability insurance cost?
- How Much is Public Liability Insurance?
- Public Liability Insurance Certificate: All You Need to Know
- Why now is the time to take out Public Liability
- What is Employers’ Liability Insurance?
- What is Professional Indemnity Insurance? Your Complete Guide
- What is Errors and Omissions Insurance?
Other guides about specific small businesses
Interested to learn more about specific small businesses and professions? Find out more in any of latest business guides below:
Employers Liability Insurance
Liability cover that protects you, your employees, and your business.
It’s essential that you and your business are ready when the unexpected happens. Look no further than Howden’s employers’ liability insurance.
Public Liability Insurance
Public Liability Insurance you can trust
Look no further than an insurance broker for essential protection against third-party damage and injuries.
Tools Insurance
Don’t let lost or stolen tools slow down your business, get specialist tools cover
Feel safe knowing that you have a back-up plan should the worst happen, thanks to comprehensive tools insurance.
Working From Home Insurance
Don’t leave yourself unprotected, even when working from home
Thanks to our panel of insurers, we can help you find a flexible working from home insurance policy that suits your personal requirements.