What insurance policy would a service station operator need to tow automobiles he does not own?

For a service station operator who needs to tow automobiles he does not own, the most suitable insurance coverage would be the Standard Garage policy (OAP 4). This policy is specifically designed for businesses that involve the servicing, repairing, or towing of vehicles that they do not own.

The Garage policy encompasses a broader range of risks associated with operating a garage, including liability for damage to vehicles while they are in the care of the operator, which is crucial for a service station that tows cars. This policy provides coverage not only for damage to customer vehicles but also liability protection in case of accidents or injuries that may occur while towing or servicing those vehicles.

Other policy options might not provide the necessary coverage tailored for a service station's operational needs, thus reinforcing why the Standard Garage policy is the correct choice for this scenario.