Mobile Mechanics Insurance
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Mobile Mechanic Insurance
Running a mobile mechanic business means working in a wide range of locations, from customers’ homes and workplaces to roadside locations and commercial premises. You may also need to work on customer vehicles, carry valuable tools and equipment, and operate without the security of a fixed workshop.
Mobile mechanic insurance is designed to help protect your business against the risks associated with providing vehicle repair and maintenance services away from a traditional garage.
At 1st Choice Insurance, we can help arrange insurance for mobile mechanics, motor vehicle repairers and other automotive businesses. We work with a wide panel of UK insurers to help you explore cover options suited to your business activities, vehicles, equipment and working arrangements.
Whether you operate as a self-employed mobile mechanic or run a growing business with employees, we can help you understand the insurance options available to you.
Get a Mobile Mechanic Insurance Quote
Every mobile mechanic business is different, so the cover you need will depend on the type of work you carry out, whether you drive customer vehicles and the equipment you use.
Our team can discuss your business and help you explore suitable insurance options.
Call us on 03301 081615 or complete our quote form to request a callback.
What is Mobile Mechanic Insurance?
Mobile mechanic insurance is a type of motor trade insurance designed for mechanics who provide vehicle repair and maintenance services away from a traditional workshop.
Mobile mechanics can face a range of risks as part of their day-to-day work. This could include accidentally damaging a customer’s vehicle, losing or having tools stolen, causing injury to a member of the public, or being unable to work following an insured incident.
Depending on your circumstances, a mobile mechanic insurance policy can include a combination of covers such as:
- Road risk insurance
- Public liability insurance
- Employers’ liability insurance
- Tools and equipment cover
- Cover for customer vehicles
- Goods in transit cover
- Business interruption cover
- Legal expenses cover
- Premises, buildings and contents insurance, where applicable
- Stock cover
The cover available will depend on your business activities and the policy selected.
Who Needs Mobile Mechanic Insurance?
Mobile mechanic insurance can be suitable for businesses and individuals providing vehicle repair and maintenance services on a mobile basis.
This can include:
- Self-employed mobile mechanics
- Mobile vehicle repair businesses
- Auto electricians
- Vehicle diagnostic specialists
- Mobile tyre and repair services
- Breakdown and roadside mechanics
- Vehicle servicing businesses
- Part-time mechanics
- Mechanics working from home and travelling to customers
- Businesses operating both mobile and from fixed premises
If you work on customers’ vehicles or visit different locations to carry out repairs, it is important to make sure your insurance reflects the way your business operates.
If you employ staff, employers’ liability insurance is generally a legal requirement, subject to the usual exemptions.
What Can Mobile Mechanic Insurance Cover?
The cover available will depend on your business and insurer, but a mobile mechanic insurance policy can include several different areas of protection.
Road Risk Insurance
If you need to drive vehicles belonging to customers as part of your business, road risk cover may be available.
This can provide cover for driving customer vehicles for purposes connected with your business, such as testing, moving or collecting vehicles, subject to the terms and conditions of the policy.
Public Liability Insurance
Public liability insurance can protect your business against claims from members of the public who allege that your business activities have caused injury or damage to their property.
For example, a customer could be injured while you are carrying out work at their premises, or their property could accidentally be damaged while you are working.
Tools and Equipment Insurance
Your tools and equipment are essential to your business. Mobile mechanics can carry a significant amount of equipment between jobs, including diagnostic equipment, specialist tools and machinery.
Tools insurance can provide protection against loss, theft or damage, depending on the policy.
Cover can sometimes be arranged for tools kept in a vehicle, although insurers may have specific security requirements.
Employers’ Liability Insurance
If you employ people to work for your business, employers’ liability insurance is generally required by law in the UK.
It can provide cover for claims made by employees who suffer an injury or illness as a result of their work, subject to the policy terms.
Goods in Transit Cover
Mobile mechanics may transport tools, equipment, parts and other business property between different locations.
Goods in transit cover can help protect items while they are being transported, depending on the circumstances and policy terms.
Business Interruption Insurance
An insured incident could prevent you from carrying out your usual work. Business interruption insurance can help protect your income following certain insured events, subject to the cover selected and policy conditions.
Legal Expenses Insurance
Legal expenses cover can help with certain legal costs associated with covered business disputes and other specified circumstances.
Premises and Contents Cover
If you operate your mobile mechanic business from a garage, workshop, unit or other premises, additional cover may be available for your buildings, contents, stock, equipment and other business assets.
Benefits of Mobile Mechanic Insurance
Having appropriate insurance in place can provide several important benefits for a mobile mechanic business.
Protection When Working on Customer Vehicles
Working on someone else’s vehicle comes with potential risks. Suitable motor trade cover can help protect your business when customer vehicles are in your care or being driven for authorised business purposes.
Cover for Essential Tools
Your tools and diagnostic equipment are central to your business. Suitable tools cover can help protect your equipment against specified risks such as theft or accidental damage.
Protection Against Liability Claims
Public liability insurance can provide protection if your business faces a claim involving injury or property damage arising from your activities.
Cover That Reflects Your Business
Mobile mechanics can operate in very different ways. Policies can be structured around factors such as the work you undertake, whether you drive customer vehicles, your tools and equipment, and whether you operate from premises.
Support for Business Continuity
Additional covers such as business interruption may help reduce the financial impact of certain insured events that prevent you from operating normally.
Professional Protection
Having appropriate insurance in place can demonstrate to customers, businesses and contractors that you have considered the risks associated with your work.
Frequently Asked Questions About Mobile Mechanic Insurance
Does mobile mechanic insurance cover customer vehicles?
Cover for customer vehicles can be included depending on the policy and how you use the vehicles. If you drive customers’ vehicles for testing, diagnostics, collection or other business purposes, tell your insurer so the appropriate cover can be considered.
Can I insure my tools as a mobile mechanic?
Tools and equipment cover can be arranged for many mobile mechanics. This can help protect business tools against specified risks such as theft, loss or accidental damage, subject to the policy terms and security requirements.
Does mobile mechanic insurance cover me to work from home?
If you operate your business from home as well as working at customers’ locations, you should tell your insurer. Additional cover may be required for business equipment, stock or other property kept at your home.
Can mobile mechanics get public liability insurance?
Public liability insurance can be included to help protect your business against certain claims for injury or property damage arising from your business activities.
Can I get cover for a part-time mobile mechanic business?
Insurance can potentially be arranged for part-time businesses, although the insurer will need accurate information about your activities and how the business operates.
Do I need Motor Trade Combined insurance?
The cover you need depends on your business activities. A mobile mechanic working entirely away from premises may have different requirements from a mechanic who also operates a garage or workshop. Our team can help you explore the available options.
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