Towing & Recovery Insurance
Specialized protection for towing operators, recovery vehicles, and roadside assistance businesses.
Towing and recovery businesses face unique risks every day, from transporting customer vehicles and roadside recoveries to storage yard liabilities and accident scene operations. Towing & Recovery Insurance is designed specifically for operators who need reliable cover for vehicles under their care, towing equipment, public liability exposures, and business interruptions.
Whether you operate a single rollback truck or manage a full recovery fleet, we help protect your business against costly incidents that can happen on the road, at recovery scenes, or in storage facilities.
Who This Cover Is For
Practical protection for roadside recovery and vehicle transport operators.
Key Cover Benefits
Vehicles in Transit
Protection for customer vehicles while being towed, transported, loaded, or unloaded.
Public Liability
Cover for accidental third-party injury or property damage during towing and recovery operations.
Recovery Equipment Cover
Protection for winches, chains, hydraulic systems, lifting equipment, and towing accessories.
Theft & Hijacking
Cover for insured towing vehicles and recovery units against theft, hijacking, and attempted theft.
Roadside Recovery Risks
Protection during accident scene recoveries, vehicle extractions, and roadside assistance operations.
Storage Yard Liability
Cover for vehicles temporarily stored in your yard or holding facility.
Fire & Accidental Damage
Protection for towing vehicles and equipment damaged by collisions, fire, storms, or other insured events.
Business Interruption
Optional cover for loss of income following major insured incidents affecting operations.
Common Claims Scenarios
Vehicle Damage During Recovery
A damaged vehicle slips during loading onto a rollback truck, resulting in additional repair costs.
Accident Scene Liability
A third-party vehicle is accidentally damaged during a roadside recovery operation.
Hijacking of Recovery Vehicle
A towing vehicle transporting a customer's vehicle is hijacked while en route.
Winch Equipment Failure
Recovery equipment is damaged during a heavy-duty extraction operation.
Storage Yard Fire
Vehicles stored overnight at the recovery yard are damaged by fire.
Incorrect Vehicle Handling
A luxury vehicle sustains suspension damage during towing operations.
Why Towing Operators Need Specialized Cover
Standard commercial vehicle insurance often does not adequately protect towing and recovery businesses. The risks associated with transporting customer vehicles, roadside recoveries, and vehicle storage require tailored insurance solutions specifically designed for the towing industry.
Optional Extensions
Risk Management Support
We also assist towing and recovery businesses with practical guidance around fleet structure, claims handling, driver risks, and broader business insurance planning.
Why Choose MotorTradeCovered
Motor trade businesses require specialist insurance knowledge. We understand the risks faced by towing and recovery operators and work with insurers experienced in the motor trade sector.
Recovery Fleets
Scalable protection for multi-vehicle recovery operations.
Independent Towing Operators
Owner-operator cover for daily roadside and transport risks.
Heavy Recovery Units
Specialist support for complex commercial recovery exposures.
24-hour Roadside Assistance
Cover structured for after-hours callouts and urgent operations.
Vehicle Transport Operators
Protection for vehicles moved between sites, yards, and clients.
Frequently Asked Questions
Does the policy cover customer vehicles while towing?
Yes, cover can include vehicles under your care, custody, and control while being transported or recovered.
Can I insure multiple tow trucks under one policy?
Yes. Fleet options are available for businesses operating multiple recovery vehicles.
Is roadside assistance covered?
Yes, depending on the structure of your operations and selected cover options.
Does the policy cover heavy-duty recovery operations?
Yes, specialized cover can be arranged for heavy recovery and commercial vehicle towing operations.
Can storage yard risks be included?
Yes. Vehicles stored temporarily in your facility can be covered under selected sections.
Get a Towing & Recovery Insurance Quote
Protect your towing operation with specialist cover built for the realities of roadside recovery and vehicle transport.
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