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Garage Insurance - An Absolute Must
If you are the owner of a garage or a car dealer or run a small repair shop, you need the security of a garage insurance to protect you against any liability. Even if your work involves selling tyres or repairing the electronic items, such as the radio or stereo inside the car, you will do well to avail of this kind of insurance. After all, anything can happen any time and it is not worth taking the risk.
First of all, let us differentiate between a normal garage liability insurance policy and a garage keeper insurance policy. The former does not cover the vehicles of the customers that happen to be there inside your garage and should anything unfortunate occur, you will be responsible for those losses. The latter insurance policy is necessary as an additional cover and is offered as two options one that straightaway pays for the damages caused to the vehicles in question and the other where the garage owner shares the damage cost with the individual owners of the cars, assuming they have taken the necessary insurance for their cars.
It is thus important to understand that while garage insurance will cover your own vehicles, to protect yourself from any claims arising out of damages to the vehicles of customers, you need to choose a separate garage keeper's insurance. Unfortunately, even this policy does not cover any damage caused to the non-factory set up items like the stereos, CDs, radar detection equipment or phones, and as a service center owner, you should be prepared to fork out the money should any claim be made.
It is thus imperative that you cover yourself fully against any possible claim, and that can be done through the garage insurance policy. This will cover you, the garage itself, its contents, the parking area, and even towing operations. It is a holistic insurance protection encompassing all stock that you may have inside the garage and that is why it is recommended.
However, even this kind of insurance has its limitation. This insurance will not protect you against liabilities that are not directly concerning the garage or vehicles. You need to therefore take the appropriate insurance policies, either as one, or separately, so that you are protected against all exigencies and do not have to pay anything out of your pocket should any untoward incident take place.
The best that you can do is to approach specialists in this kind of motor trade insurance. They will be able to guide you on the best insurance suitable for your business. They will also take care of any claims and process them quickly without you having to follow up actively. These specialist firms also help you plan the premium payments in such a manner that you do not have to fork out a large sum all at once.
The end result is that you can concentrate on your business with total peace of mind.
Author Resource:-
Neil Anderson is a UK based finance specialist who provides advice and information about a wide range of products including garage insurance. Find out more by visiting his website, DNA Insurance.
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