Breakers Yard Insurance

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Breakers Yards Insurance

If you operate a breakers yard or work as a vehicle dismantler or salvage operator part-time, you need insurance that covers you against the specific risks you face. The good news is that having insured breakers yards since the 1960s, we understand the nature of your business, which makes finding flexible and affordable insurance easy. A lot of the leading Motor Trade Insurers do not cover this occupation but thankfully we work with the ones that do. We also know where to turn to find the very best price.

What Is Breakers Yard Insurance?   

The range of risks a typical breakers yard will face is unique, so you need tailored insurance which provides the specific cover you need. Rather than separate policies that cover your business operations and the various liabilities, we can create a single breakers yard insurance policy to protect you against all the risks. That helps to keep things simple and reduce the costs. If your sums insured are higher than average, we have access to exclusive Lloyds’ of London facilities that will cater for your requirements.

That includes cover for road risks, specialist machinery, office equipment, personal and business vehicles and public and employers’ liability.

What Type Of Cover Do You Need?

Breakers yards have unique requirements. When they are well run and can show a record of operating safely, the premium you pay can be negotiated downwards. That said, the insurance requirements are different from other companies in the recycling sector.

Each business is different, but typical options are:

  • Public and employers liability - up to £10 million indemnity level.
  • Equipment, machinery and plant – high sums insured.
  • Engineering inspection
  • Road risks for motor trade including recovery and movement of vehicles and buying/selling of plant.
  • Office contents and other equipment including stock
  • Money cover, business interruption & theft
  • Buildings
  • Personal and business vehicles.

How Can Clegg Gifford Help?

If you are the owner or director of a breakers yard or scrap yard, our knowledge of the business sector allows us to assess your needs accurately and tailor a product that meets your specific needs. The result is a policy that provides excellent protection without paying for cover you don’t need. Get in touch today for a quote.

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