Insurance For Valeters And Mobile Valeters

Get specialist mobile car valeting insurance to help protect your motor business from potential risks. Whether it’s theft, road risk, or public liability claims, Gallagher can help you find suitable cover.

What is car valeting insurance?

If you’re a motor trader who cleans or details vehicles, you might want to consider car valeting insurance. It’s a type of motor trade insurance that can help protect you as a business owner.

Whether you’re working on high-value cars or standard vehicles, on a mobile basis or at a garage, you still face a multitude of risks as a motor trader. Having car valeting insurance can help protect you and your business from unexpected costs and risks, such as accidental damage to clients’ vehicles, injury claims, or public liability incidents.

Gallagher has been operating in the motor trade industry for decades, so we can help you find suitable cover. Let us know about your business needs and we’ll work with you to find an appropriate insurance policy.

What does car valeting insurance cover?

Car valeting insurance is tailored to your business needs, so what’s covered under your policy can vary. Here’s a breakdown of the types of insurance available and what they can cover:

• Road risk insurance: Allows you to drive vehicles on the road as part of your business. This comes in three levels:
• Third party only: Covers damage to third-party property or injuries.
• Third party, fire and theft: Includes third party cover plus protection if the vehicle is stolen or damaged by fire.
• Comprehensive: Offers wider cover, including accidental damage to vehicles you drive and third-party vehicles.
• Public liability: Can provide cover if a member of the public is injured or their property is damaged because of your business activities.
• Employers’ liability: Can protect you in case an employee is injured or falls ill at work.
• Legal expenses: Can cover the costs of legal advice and representation, if you’re facing legal disputes related to your business.
• Tools and equipment: Can cover loss or damage to the tools and equipment you use in your valeting work.
• Tools in transit cover: For mobile car valeters, this cover can protect your tools while you’re taking them between locations.
• Business premises: Can provide cover for damage to your fixed business location, including the building and its contents.
• Business interruption cover: Can protect your income if you can’t run your business because of an insured event, such as a fire or flood.
• Cover for young motor traders: Can provide specialist cover for younger traders, helping to ensure they’re protected against additional risks.

As your business grows, Gallagher can work with you to provide additional insurance covers to ensure your protection evolves alongside your motor business needs. To get a valet insurance quote, get in touch with our UK-based team on 01625 854458 or fill in our online form.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements. Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

How much is valeting insurance?

The cost of valet company insurance can vary depending on your individual circumstances and the type of cover you choose. Here are some factors that can influence the cost of your policy:

• Business size: Larger businesses or those handling more vehicles may require more extensive cover, which can increase premiums. Working with more expensive vehicles can also make your policy more expensive.
• Type of cover: The level of cover you choose can affect the overall cost. For example, basic cover such as road risk will likely cost less than a comprehensive policy with public liability and tools in transit cover.
• How you work: Insurance for a fixed business premises such as a garage can differ from cover for mobile valeters. Mobile mechanic insurance often costs more because of increased risks.
• Business location: Some businesses may be at higher risk of theft and damage in certain areas. This can make your policy more expensive.
• Number of employees: If you have staff, employers’ liability insurance is a legal requirement. Adding more employees to the policy can impact the cost.
• Claims history: A history of claims may result in higher premiums, as it could indicate you’re at higher risk of future incidents.

To lower the cost of your car valeting insurance, there are a few things you can try:

• Increase your excess: Opting for a higher excess can reduce your monthly premium, though you’ll likely pay more if you need to make a claim.
• Limit vehicle coverage: Consider covering only the vehicles you work with regularly to avoid paying for unnecessary risks.
• Improve security: Installing security systems for your garage or using secure storage for tools and equipment can help lower costs.
• Review cover regularly: As your business grows, reviewing and adjusting your cover can prevent you from paying for insurance you no longer need.

If you’re looking for a car valeting insurance quote, get in touch with the Gallagher team by filling in our online form or calling us on 01625 854458. We’ll be happy to create a bespoke policy so you have an idea of how much it can cost.

Why choose Gallagher?

At Gallagher, we work with you to understand your business. We have decades of experience sourcing suitable motor trade insurance policies, so we know the types of risks you face and how to help protect your business.

Here are some of the reasons to choose us:

• Easy and convenient: Compare prices from our panel of A-rated insurers* and secure a quote. Get a quick quote over the phone or via our online form.
• Instant cover: Get cover immediately to help protect your car valeting business.
• Rated ‘Excellent’: Over 6,000 customers have reviewed Gallagher on Trustpilot**.
• Specialist guidance: A dedicated team of specialists can provide you with advice and guidance on finding suitable cover.
• Tailored policies: Every business is unique, which is why we tailor our policies to your unique circumstances and business needs.
• UK-based team: Speak to our friendly UK-based advisors to discuss your policy and find suitable cover.

* Independent ratings from third party rating companies. Correct as of May 2025.

**  Correct as of May 2025.

Get car valeting insurance quotes

Speak to our team for help and advice on available cover, including insurance for part-time traders. Call us on 01625 854443 or fill in our online form to discuss a tailored insurance solution for your valeting business.