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Car Detailers Insurance

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Car detailers insurance

Car detailing insurance NZ

Car detailer insurance is a tailored insurance product that specifically covers businesses involved in car detailing. This includes protection against potential damages that might happen during the detailing process, such as accidental scratches, chemical spills, or any other unforeseen accidents. Just like your car needs protection, so does your business!

Why is car detailers insurance important? 

Every time you work on a car, there’s a risk, however small, of something going wrong. Car detailer insurance gives you the peace of mind, knowing that if an accident were to occur while detailing, the financial repercussions would be taken care of. This insurance not only safeguards you against potential legal claims but also instills trust in your clients, showcasing your professionalism and commitment to safeguarding their assets. 

In New Zealand, the average cost of car detailers insurance typically ranges between $50 – $125 per month. 

It’s crucial to have car detailers coverage if your business:

  • Interacts with multiple vehicles daily
  • Uses specialized detailing chemicals
  • Operates in busy or crowded areas
  • Employs multiple detailing staff

What covers are typically included in car detailers insurance? 

Public Liability

This policy covers common car detailers business risks including bodily injuries and customer property damage. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps car detailing businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for car detailing and personal activities. It can also plant or equipment that is permanently fixed to the vehicle. 

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Tool Insurance

Safeguards your car detailing business tools, plant & equipment against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

Business Interruption Insurance

Helps protect car detailing businesses when they face unexpected events, like natural disasters or fires, which lead to temporary shutdowns or disruptions in their operations. It covers loss of income and additional expenses incurred during the interruption period.

Best For
  • Income loss 
  • Extra expenses
  • Temporary shutdown 

Employers Liability

This insurance helps protect car detailing businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

How much does car detailing insurance cost?

Car detailing insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Car detailers insurance in NZ typically costs between $50 to $125 per month

Who needs car detailers insurance?

If you’re involved in the car detailing business, this insurance is for you. Whether you’re a solo operator running a mobile detailing service or you own a multi-bay detailing shop, protecting yourself with car detailer insurance is essential. This ensures both your financial stability and your business’s reputation.

While car detailer insurance isn’t a legal mandate in NZ, having it is highly recommended. Without it, you risk paying out-of-pocket for any damages, which could severely impact your business’s financial health.

Absolutely! Insurance policies, especially with brokers like Gerrards, can be tailored to fit the unique needs of your business. Whether you want full suite of insurances or just public liability we can sort you out. 

How do I get proof of car detailers insurance

You can usually get proof of insurance same day when you purchase insurance through Gerrards.

Acquiring a car detailers insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our car detailers insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does car detailers insurance not cover?

Intentional Damage

If damage is inflicted deliberately on a vehicle, your insurance won’t cover the costs.

General Wear and Tear

Over time, tools and equipment experience wear and tear. Insurance does not cover such natural deterioration.

Operating Outside of Regulations

 If your business flouts local regulations, claims arising from such operations will not be covered.

Other common questions about car detailing insurance

It’s recommended to review your coverage annually or whenever there are significant changes in your business. This ensures you’re adequately protected as your business grows or evolves.

If you offer mobile detailing, ensure that your policy covers potential damages that might occur outside your primary place of business. This includes potential damages while in transit or at the client’s location. Also check that your tool or equipment insurance location is anywhere in New Zealand. 

Typically, car detailer insurance covers liabilities arising from your employees’ actions. However, for their personal safety, consider additional policies like workers’ compensation.

Yes! Many providers offer discounts for businesses that take safety precautions, train their employees regularly, or have a history of few to no claims. Discuss these aspects with your broker to see potential savings.

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