Car Wash Insurance
We help car wash owners find the right cover to protect their operation and customers.
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Running a car wash means handling other people's vehicles and having customers on your premises every day. That's a recipe for liability if something goes wrong.
Risk Exposure
A scratched bonnet, a slip on a wet floor, or a machine malfunction can land you with a claim that hits your bottom line hard. We help car wash owners across Australia protect their business from these everyday risks.
Tailored Solutions
Whether you run a self-service bay, automatic tunnel, or a mobile detailing operation, we source insurance policies that match your actual setup. Not a generic package, but cover built for how your business actually operates.
RISK ARCHITECTURE
What's Included in Car Wash Insurance?
Car wash insurance typically includes:
Covers injuries or damage to others caused by your business, like a customer slipping on a wet floor.
Covers damage to customers' vehicles while they are in your possession, such as scratches from a malfunctioning brush or roller.
Protects your building, equipment, and inventory from fire, theft, or vandalism.
Covers repair or replacement of car wash machinery when it breaks down unexpectedly.
Helps cover lost income if your car wash has to close temporarily due to a covered event, such as fire or storm damage.
Who Needs Car Wash Insurance?
Self-Service Car Wash Operators
Businesses providing bays where customers wash their own cars using high-pressure hoses, soap dispensers, and brushes.
Automatic or Tunnel Car Wash Owners
Operations where vehicles are driven onto a conveyor belt and cleaned automatically by machinery.
Full-Service Car Wash Businesses
Operators offering a complete cleaning experience, typically with staff doing the work.
Mobile Car Wash or Detailing Services
Businesses that travel to customer locations with their own equipment to wash and detail vehicles on site.
Car wash insurance is essential for any business handling customer vehicles, regardless of the operation type.
TECHNICAL ANALYSIS
How Does It Work?
These scenarios demonstrate how your coverage responds when the unexpected happens.
A customer's car gets scratched by a faulty brush in your automatic car wash. Car wash insurance can cover the repair costs, so you are not paying out of pocket.
A self-service customer leaves a hose running, creating a large puddle. Another customer slips and sprains their ankle. Your policy can cover medical costs and any legal claims.
A storm damages your tunnel equipment and you need to close for repairs. Business interruption cover helps replace lost income while you get back on your feet.
A customer's car gets scratched by a faulty brush in your automatic car wash. Car wash insurance can cover the repair costs, so you are not paying out of pocket.
A self-service customer leaves a hose running, creating a large puddle. Another customer slips and sprains their ankle. Your policy can cover medical costs and any legal claims.
A storm damages your tunnel equipment and you need to close for repairs. Business interruption cover helps replace lost income while you get back on your feet.
KNOWLEDGE BASE
Frequently Asked Questions
Upgrade Your Business Defence.
Tailored to your industry and risk profile. Our team is ready to help you protect your car wash against potential claims.