We work with some of the biggest insurance names in the UK to find the motor trade policies you need.
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Get The
Car Wash
Insurance You Need.
For car wash and valet businesses, you need a bespoke motor trade policy tailored to your work.
By getting covered via our insurance broking experts, you'll get:
Why choose I4MT?
As a trading style of One Sure Insurance - one of the fastest growing motor trade insurance brokers in the UK, we bring a wealth of industry experience to get your cover. We can bring you:
Trust us to find insurance cover that protects your car wash business from risks and unexpected costs.
We understand how your operation works. Whether you’re hand-washing, using automated systems, or operating a mobile service, including the premises, your equipment, and the staff you rely on.
By working with multiple underwriters, we’ll secure competitively priced car wash insurance that fits your business.
If you are a motor trader looking for insurance or want to change your policy, call us first.
Making a judgement call on what you must protect is difficult. Every new insurance increases the premium, and we want to ensure you get the most suitable policy for your needs.
We understand the budget constraints of any businessman and work with our team of underwriters to ensure you get car wash insurance at an affordable price.
Our policies are not entirely written in stone, and you can always raise the indemnity level or cover, add additional vehicles, change driver names, and do many other things on the go.
Policies Specially Made For The Motor Trade
With us, you can expect top-notch insurance expertise and service, as we tailor your cover to the individual needs and requirements of your business. We'll take care of everything. Here is what you can expect from the I4MT experience:
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A Trusted Panel of Underwriters
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Your Renewals Made Hassle-Free
Every year, we quote you an up-to-date price and give you the chance to automatically renew your policy.
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Make Changes When You Need To
Make changes when you need to and get expert advice on the best options. You can raise your indemnity level and cover as and when needed.
Why do I need car wash insurance?
Running a car wash is no easy feat. It’s a widespread motor trade that can be reliant on a large premises and expensive equipment to conduct your business.
Naturally, there are many risks associated with a car wash, such as natural disasters, fire, theft, accidents, equipment failure, and injury. That’s not all. Customers drive their vehicles in or leave them at the car wash, which presents more potential for an insurable risk to put a pause on your business.
Fortunately the right car wash insurance can help mitigate some of the risks your livelihood will face and help you to keep your business operating as normal.
What types of car washes can you insure?
Car washes are particularly vulnerable. This type of business can vary not just in size but also in type and the technique Some are small and have a larger workforce, while others have limited personnel with automated machines. Regardless of the car wash size and type, there are many risks.
We can insure:
- Automated car washes that reply on machines and tools, such as pressure washes and the typical heavy-duty tunnel wash.
- Car washes with valet servicing, which offer a bespoke interior and exterior wash and polish.
- Car cleaning and washing businesses that use a mix of machinery and good ol’ elbow grease by hand polishing.
Can I get insured for other motor trade work and my car wash?
It isn’t uncommon for a car wash to indulge in other motor trade activities.
Selling second-hand cars from the parking lot of your car wash can be a handy way to earn something extra without increasing your debt or investments. Likewise, a valeting and detailing service is the natural progression for any car wash looking to expand further into motor trade services.
The car wash insurance we offer covers any motor trade business you conduct on your business premises mentioned in the policy.
Remember, car wash insurance is a particular kind of motor trade insurance that includes a lot of other covers and riders for your specific needs. As your business grows, so can your cover, provided you keep us informed. Whether you need premises cover or some specialist valet insurance policy, we can help find what you need. Keeping us informed can help us provide better service and keep your policy intact.
We Are Britains Cheapest Motor Trade Insurer Guaranteed*
We are so confident of our pricing that we challenge you to beat our guarantee!
Frequently Asked Questions
Discover the answers to the most-asked questions on motor trade insurance.
Whether you need a licence to wash cars depends on several factors, including the location and scale of your car-washing business. It’s advisable to contact your local council to confirm the specific requirements in your area before starting a car washing business.
For example, if you plan to wash cars on the street or in a public area, you may need a street trading licence from your local council. This requirement varies by location and depends on your council. The same goes for wastewater. Since you’ll be using a lot of water at work, you must know how to dispose of your waste. You might need an environmental permit or consent from your local authority to discharge water if it’s not going into the main drainage system.
If you have employees working for you, your business is legally obliged to have employers’ liability insurance.
You should opt for higher employer and public liability with a labour-intensive hand wash centre. With an automatic wash, you need more instrument and equipment cover. But, with both types of car wash, you always need stock cover and business premises insurance. However, if you run a mobile car wash with tools and pressure washers powered using a portable generator, you probably need not invest in a premises cover. The typical road risk insurance with a few additional riders should suffice.