29/07/2026
One phrase you often hear in the detailing industry is...
"We're fully insured."
It sounds reassuring.
But what does it actually mean?
That question came up last werk when a customer contacted us for a quotation and asked if they could see proof of our insurance before booking.
"No problems" 🙏🏾
A few minutes later we'd emailed it across.
The following day they booked in and thanked us.
They'd contacted a couple of other companies and discovered the insurance in place differed from what they had expected.
This post isn't about criticising anyone.
Public liability insurance is an important policy for many businesses. However, not all insurance policies provide the same level of protection, and the phrase "fully insured" can mean very different things depending on the cover that's actually in place. It's often misunderstood but Public Liability Insurance does not cover a detailer for damage.
If you're handing over the keys to your pride and joy, it's perfectly reasonable to ask a few simple questions:
✔️ What insurance do you have?
✔️ Does it cover customers' vehicles while they're being worked on?
✔️ Can you provide proof if requested?
Most people aren't insurance experts, and nor should they have to be. But taking two minutes to ask those questions could save a lot of stress if the unexpected ever happened.
Our insurance costs us around £4,500 per year.
It's one of the least exciting (and in some ways most annoying) bills we pay - but it's also one of the most important. We see it as part of running a professional business and giving our customers confidence when they hand us the keys to their cars sometimes worth as much as a house.
Whether you choose On Track Detailing or another company, I'd always encourage you to ask about their insurance. Any reputable business should be happy to explain what cover they have and provide evidence if requested.
Hopefully it's information you'll never need.
But if you ever do, you'll be glad you asked.