What is Recovery Operator Insurance?
Recovery operator insurance – sometimes known as breakdown and recovery agent insurance – is specifically designed to cover those who recover or repair vehicles following a breakdown, incident or accident.
You’ll need motor trade road risks cover for your vehicles – whether it’s a single recovery vehicle, or a whole fleet of them. We know that recovery vehicles are often more expensive to repair or replace due to their specialist design and equipment, so you need the appropriate level of cover for this.
If you have employees, you’ll need employers’ liability insurance to cover them, and public liability insurance is a must in case of a claim for damages to people or their property from a member of the public while you carry out your job.
Recovery operator insurance can cover all this, alongside the premises of larger businesses, your tools and your money, and more besides. Speak to us about your specific needs – we’re confident we can help you.
Proud supporters of the Slow Down, Move Over campaign
Recovery operators work in difficult and often dangerous conditions. There is no telling where an accident might happen, or a vehicle might break down.
It’s not just about getting to inaccessible locations in all weather conditions or dealing with stressed members of the public in the aftermath of a breakdown or accident. You could be working on motorways or dual carriageways to recover a vehicle, with cars, vans and lorries flying past at high speed and in close proximity to you.
Gallagher is proud to support the Slow Down, Move Over campaign, which aims to make the roads a safer place for recovery operators by educating road users about the risks recovery workers and stranded passengers face.
Find out more about the campaign on the Slow Down, Move Over website.
Who needs recovery operator insurance?
Anybody who carries out recovery or repair of vehicles at the roadside needs recovery operator insurance.
We know that your business depends on providing speedy, round the clock service, and we strive to be just as responsive. Dependent on the size of your business, we offer an account managed service for your needs, and an optional risk management service if required.
Get a quote
Looking for road risks only breakdown and recovery agent cover? Call us on 01625 854458 for a quick quote and to take out cover.
For bigger recovery operators who require cover for multiple vehicles and premises, our account management team will be happy to help. Call us on 0161 929 1851 to discuss your needs.
Your recovery operator insurance can include:
- Road risk cover – for recovery operators working from home
- Combined cover – for premises and contents
- Cover for specialist recovery vehicles
- Cover for tools, including those carried in your vehicle
- Public liability and employers’ liability with up to £10m cover
- Business interruption cover
- Retrospective rebates to reward good claims records
- Exhibition cover can be included