Mechanics and Mobile Mechanics Insurance

Flexible cover options for mechanics working from garages, workshops, or offering mobile repairs. Get a personalised quote for your business.

What is mechanics insurance?

Mechanics insurance is a type of motor trade insurance for people who repair and service vehicles, either at a fixed premises or on the move. It can help protect against the risks that come with working on customer vehicles, handling expensive tools, and operating in different locations.

If you're a mobile mechanic, you may be carrying tools and equipment from job to job, often visiting homes, workplaces, or roadside locations. Depending on how your business operates, you could want cover for theft, damage, or liability claims.

Mechanics insurance can be arranged to help protect you from the unique risks of mobile or workshop-based work. This type of cover also helps to protect your business financially in the event of a claim, so you’re not left responsible for expensive costs.

What does mechanics insurance cover?

Mechanic insurance can include a range of cover types depending on how and where you work. These can include:

• Road risk insurance: If you drive customer vehicles or move them as part of your work, you may need road risk insurance at a minimum. There are three main levels:
  • Third party only: The most basic level of cover. This may cover damage or injury to third parties but does not include your own costs if a vehicle you're driving is damaged.
  • Third party, fire and theft: Includes third party cover, plus protection if a vehicle in your care is stolen or damaged by fire.
  • Comprehensive: Offers the highest level of protection. This may also include cover for accidental damage to vehicles, in addition to fire, theft, and third-party claims.
• Liability insurance: Liability insurance can help protect your business if a claim is made against you:
  • Public liability insurance: Can provide cover if a member of the public is injured or their property is damaged because of your work.
  • Employers’ liability insurance: If you employ anyone, even casually or part-time, you may be legally required to have this. It can help cover claims from employees injured at work.
  • Product liability insurance: Can cover claims linked to faulty parts or products you supply or fit.
• Motor trade combined insurance: A combined policy brings multiple covers under one plan. This could include buildings, contents, tools, road risk, and liability, tailored to how your business operates.
• Vehicle cover: Can insure business or customer vehicles you work with, depending on the policy.
• Tools and machinery cover: Can help protect your tools, equipment, and machinery against theft or damage, both on site and in storage.
• Tools in transit: If you travel between jobs, this can provide protection for tools and equipment while you're on the move.

These are brief product descriptions only. Please refer to the policy documentation, paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements. Policy limits and exclusions may apply. Please see the policy wording for full terms and conditions.

Why do you need mechanic insurance?

Mechanics and mobile mechanics face a range of risks, whether it’s on the road, at customer locations, or while working on vehicles. Without cover in place, you could be personally responsible for legal fees, claims, or the cost of replacing stolen or damaged tools.

If you drive customer vehicles as part of your work, a basic level of road risk insurance may be required by law. Beyond that, cover such as public liability, tools in transit, and product liability could help protect your business against unexpected costs.

Ultimately, having insurance in place helps to give you financial protection and peace of mind, so you can focus on the job.

Get your mechanics insurance quote

No two mechanic businesses are the same, which is why we help tailor cover to match your setup, whether you’re on the road or at a garage.

At ChoiceQuote, we work with a panel of UK insurers to offer a range of cover options, with flexible repayment plans available. Our dedicated motor trade team is here to help you compare quotes and find suitable protection for your business.

Call us on 01625 885046 to speak with an adviser and get your mechanics insurance quote.

FAQs

How much does mechanic and mobile mechanic insurance cost?

The cost of mechanic insurance or mobile mechanic insurance depends on several factors, including:

• The size of your business
• Number of employees
• Claims history
• Type and level of cover
• Business location
• The types of vehicles you work with

Each policy is tailored to your specific circumstances, so prices can vary from one mechanic to another.

Can you reduce the cost of mechanic insurance?

Yes, there are a few steps you could take to help lower your premium:

• Build up a no-claims bonus: A strong claims history shows insurers you're a lower risk, which can make your policy cheaper.
• Increase your voluntary excess: Agreeing to pay more towards a claim could reduce your premium.
• Improve security around tools and vehicles: Using secure storage, alarms or tracking devices can reduce the chance of theft and may lower your risk.
• Limit the number of high-risk drivers on your policy: Avoiding drivers under 25 or with convictions can help keep premiums down, as insurers typically view them as higher risk.

Who needs mechanic insurance?

Mechanic insurance is for anyone who services or repairs vehicles, both at a fixed location and on the move. This includes full-time garage owners, mobile mechanics, and those working on an ad-hoc basis from home.

What insurance does a self-employed mobile mechanic need?

A self-employed mobile mechanic may need road risk insurance as a minimum if driving customer vehicles is part of the job. Additional cover such as public liability or tools insurance could also be useful, depending on how and where the work is carried out.

Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.