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Car Wash Insurance

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Car wash insurance

Car wash insurance NZ

Car wash insurance is a specific type of business insurance. It covers damages or losses that can happen at a car wash facility. Think of it like an invisible safety net for your business. When unexpected events happen, car wash insurance helps ensure your business doesn’t suffer too much.

Why is car wash insurance important? 

Running a car wash business involves a lot of moving parts, literally and figuratively. There’s machinery, employees, customers, and vehicles. Even if you run things perfectly, accidents can happen. Insurance acts as a buffer against unforeseen events that might otherwise have a big negative impact on your business. It’s about protection and peace of mind.

In New Zealand, the average cost of car wash insurance typically ranges between $200 – $300 per month. 

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

  • Uses heavy machinery
  • Handles customer vehicles
  • Employs multiple staff
  • Faces potential lawsuits

What covers are typically included in car wash insurance? 

Public Liability

This policy covers common car wash business risks including bodily injuries and customer property damage.

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

Statutory Liability

This cover is a type of protection that helps car wash 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 the car wash business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Tool Insurance

Safeguards your tools, equipment or machinery 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 wash 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 wash 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 wash insurance cost?

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

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Car wash insurance in NZ typically costs between $200 to $300 per month

Who needs car wash insurance?

Any business involved in washing, detailing, or servicing vehicles should consider car wash insurance. This includes:

  • Traditional car wash businesses with machinery.
  • Hand car wash services.
  • Detailing services that clean or enhance a vehicle’s appearance.

Even if you have a small operation, insurance is still essential to protect against unexpected situations.

No, it’s not legally mandatory. However, having it is a wise decision. It offers protection against unforeseen events that might financially hurt your business.

If you own multiple locations, each location may have its own risks. They can all be covered under the same policy however you’ll need to discuss this with an insurance broker, like Gerrards, to ensure that each location is adequately covered.

How do I get proof of car wash insurance

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

Acquiring a car wash 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 wash 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 wash insurance not cover?

Intentional Damages

If damages are caused intentionally by the business owner or employees, insurance won’t cover it.

Normal Wear and Tear

Equipment in your car wash will naturally degrade over time. This natural wear and tear isn’t covered.

Undeclared Operations

If you’ve expanded services (like adding tire services or mechanical repairs) but haven’t updated your insurance, damages from those services might not be covered.

Other common questions about car wash insurance

Yes, insurance coverage is often flexible. You can discuss with your broker, like Gerrards, to tailor your policy to fit your business’s unique needs.

A car wash insurance package typically includes employers liability which covers injuries to employees whilst under your direction. 

The public liability policy in a car wash insurance package does cover unintentional damage to third party property. Just be mindful that there is an excess to pay and most damage is likely to be under this threshold. 

Yes, mobile car wash businesses can get insurance. Coverage specifics might differ due to the unique risks associated with being mobile. Talk to Gerrards for detailed information on this type of insurance.

It’s possible. Insurance rates can increase after a claim, depending on its severity and frequency. But always report incidents, as not reporting can lead to bigger issues in the future.

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