Mechanics Insurance

What Is Mechanic Insurance And What Does It Cover?

Mechanic insurance is key for anyone working within this sector, regardless of whether you are full or part time and either working from home or from a specific business premises. It can provide cover for your tools, machinery, buildings and contents, and cover you to drive customer vehicles for testing and diagnosis.

There are 3 main levels of cover available for motor related insurance policies, including Mechanics insurance – they are:

Third Party Only – If you are involved in an accident that was your fault, then this level of cover will only offer protection for the Third Party and their vehicle. This means that if you are at fault for damages, it is only the other person who is covered by the claim, meaning you will have to cover the costs for any damages caused to your own vehicle or property.

Third Party, Fire and Theft – This is similar to Third Party Only (above), but with the added benefit of providing cover in the event of fire damage to or theft of your own vehicle.

Comprehensive – This is the highest level of cover available. This policy does everything offered by the previous cover levels, but also protects the policyholder from any accidental damage done to their own vehicle or property.

Mechanic insurance Explained

A Motor Trade insurance policy covering mechanics can come in various levels; they are Motor Trade Road Risk, and Motor Trade Combined. A Road Risk policy would better suit people working from home, covering you to drive customer vehicles. There are three types of cover; Third Party Only, Third Party, Fire & Theft and Comprehensive.  If you have Third Party Only and have an accident while testing or diagnosing a customer’s car, your insurer will only pay out to cover the third party costs. Similarly, Third Party Fire & Theft will only cover third party claims for any damage, plus fire or theft of vehicles whilst in your care.  Comprehensive cover however is an extensive policy that also provides cover for your own damages too. 

If you have any employees then it is legal requirement that you have Employers’ Liability to cover you against any injuries, illness or death caused by negligence. You can also take out Public Liability insurance to protect any members of the public that are injured on your premises, or Product Liability  which will cover you if faulty or defective products which you fit, subsequently cause an accident and the customer chooses to sue, allowing you to then sue the product supplier. 

Anyone operating from a business premises is recommended to take out a Motor Trade Combined policy.  This can cover all of the above plus extras including the premises itself, tools, plant and machinery, business interruption, money kept on site and general stock. 

Features & Benefits Of Our Mechanics Insurance Policies

Get a Mechanics insurance policy that includes cover for buildings and contents, tools and machinery, plus other trade specific equipment such as spraying booths, vehicle ramps and lifting machinery. Add Public Liability cover to your policy for added protection, along with Employers’ Liability and Sales & Service Indemnity too. Get a quote now and find out yourself!

We’ve got all areas of the market covered, from smaller part-time mechanics looking for a Road Risk policy, to larger full time garages and body shops needing Combined insurance to cover their buildings, contents, money and equipment. We can provide cover for moving customer vehicles for diagnosis and testing, offer goods in transit protection if needed, and arrange business interruption cover too, in case your business has to close down temporarily for any reason. Plus, if you have employees, then we can add Employers’ Liability to your policy so you meet the necessary legal requirements. Our mechanics & body shop policies can include the following:

• Buildings & Contents Cover
• Lifting Tables Covered
• Portable Hand Tools
• Public Liability
• Employers’ Liability
• Sales & Service Indemnity
• Tools & Machinery Cover
• Cover For Moving Client Cars
• No Claims Bonus Protection
• Cover For Driving Convictions
• Mobile Mechanics Also Covered
• Courtesy Car Cover

Who Needs Mechanic Insurance?

Whether you are working from a large business premises or your garage at home, full time or part time, it is vital that you have the right level of cover in place. You will need to cover anything that you depend on to continue running the business such as tools, machinery and stock. If you work from home then you will need a Motor Trade Road Risk policy, and if you operate from a business premises then a Motor Trade Combined policy will be needed instead.
Employers’ Liability cover is a legal requirement if you have anyone working for you such as other mechanics, admin support or apprentices. Public Liability and Product Liability are optional, but in the unfortunate event of an accident or something going wrong, a claim could cost you hundreds of thousands of pounds.

Mechanic insurance is suited to the following:

• Mechanics
• Body shop owners
• MOT stations
• Vehicle repair garages
• Vehicle customisation

Why Is It Important To Have Mechanic Insurance?

A basic level of motor trade insurance is required by law; it is then up to you to decide if you need any additional cover on top. Although the additional cover is an extra expense, you have to weigh up the risk a possible incident could pose to your business. A single claim as a result of faulty repairs, or negligence could easily cost many thousands of pounds. This could drastically impact your business which may be your livelihood and that could have a detrimental effect on income.

So why is it important?

• It Is Required By Law
• To Provide Liability Cover
• To Provide Tool Cover
• For Machinery Cover
• Buildings & Contents Cover
• For Stock Cover
• Business Interruption Cover

Why Pick Think For Your Mechanics Insurance?

Are you still looking for more reasons to get a Mechanics insurance quote from Think? No problem, here are some additional features and benefits of our Mechanics insurance cover:

• We cover part-time and full time mechanics
• Road Risk policies for mechanics working from home premises available
• Combined cover for garages and body shops wanting buildings and contents cover
• Experts for motor trade Road Risk and Combined insurance policies
• Business interruption cover to protect you in case your business closes temporarily
• Sales & Service Indemnity, Public Liability and Employers’ Liability available
• Free 24 hour Claims Helpline provided by Kingsway
• Flexible payment options available

How To Get A Quote?

Want to find out more, speak to an expert or get a Mechanics insurance quote? Call our specialist team on 0800 221 8077 or click Get a Quote below to find out how much you could save.