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What Is Mobile Mechanic Insurance?

What Does Mobile Mechanic Insurance Cover?

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What Is Mobile Mechanic Insurance And What Does It Cover?

Mobile Mechanic insurance is aimed at those mechanics that don’t operate out of a fixed premises, instead working on the road, visiting customers at their own premises, homes or place of work. This is a policy that can have your business fully covered in all the areas you require regardless of whether you are full or part time. It needs to recognise that you are mobile, you will be transporting tools, and you will have your own vehicle. Do you have any employees? If so, then you will need Employers’ Liability insurance by law. Public Liability and Product liability are both additional optional levels of cover, but for your area of work they are recommended in order to protect you against injury caused to members of the public, or claims against you following faulty parts fitted or work carried out.

Mobile Mechanics Insurance Explained

As a Mobile Mechanic, it could be easy to get confused as to what kind of policy is right for you and what it is exactly that you need compared to a mechanic operating out of specific premises. There are three types of cover available to you; third party only, third party, fire & theft and comprehensive. Choosing which level of cover you require is simple - you just need to think how much you depend on your vehicles and if you could continue trading if something were to happen to them. 

Third party cover will only protect other peoples’ vehicles and property; Third party, fire and theft will do the same but also give you a little extra protection covering your own vehicles against fire and theft; Comprehensive cover however will protect all of the above as well as any damage incurred to your own vehicles. Being mobile, there’s a high chance that your vehicles are imperative to your business operating, so it would be recommended that you at least take out a policy that offers some protection for your own vehicles. 

Then there’s Employers’ Liability….If your business has any employees, no matter what their position or role may be, then you are required by law to have Employers’ Liability insurance in place to cover you against any sickness, injury or even death suffered by an employee as a direct result of your business’s activity. There are 2 other types of Liability insurance; Public and Product - both are recommended for your business but are not required by law. 

Public Liability is the same as Employers’ Liability except that it covers you against claims made by the public. If you have any involvement whatsoever with members of the public, then the inclusion of this product should be given serious consideration because a successful claim against you after legal fees could be many thousands of pounds. Due to the nature of what you do and the responsibility you have, it is highly recommended that Product Liability insurance is also taken out. This will cover the work you do to a customer’s vehicle. If the worst were to happen and a repair that you carried out failed, then at least you would be covered against any damages or further costs incurred.

The different types of cover available can include:

  • Third Party Cover
  • Third Party, Fire & Theft Cover
  • Comprehensive Cover
  • Employers’ Liability Cover
  • Public Liability Cover
  • Mobile Mechanics Insurance

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