Get a mechanics insurance policy that can provide you with cover for the things you need most, including driving customer vehicles, public liability insurance for mechanics, mechanic tool insurance, and buildings and contents cover too!
What is Mechanics Insurance?
Auto mechanic insurance is a type of motor trade insurance designed to meet the needs of vehicle mechanics. Mechanic insurance typically covers both mobile operators and those working from a premises, with specific provisions sometimes included in mechanic policies. When you’re working in the automotive industry, it’s crucial to ensure that your business and income are protected at all times with the right policy.
Mechanic insurance is specifically intended for auto mechanics. While road risk and combined motor trade policies provide a lot of protection to auto businesses, they are not tailored to specific businesses and their needs like a specialist mechanics policy are. Motor mechanic business insurance combines a range of protections under a single policy, including things such as public liability, commercial building insurance, fire and theft, mechanic tool insurance, and professional indemnity.
We can also provide great mechanics shop insurance that covers more of your business such as your premises, stock and tools. Just let us know what cover you need, and we can build you a bespoke policy via our Motor Trade Combined product. You can also easily add mechanic tool insurance to your policy to cover the cost of day to day tools or even expensive machines that are owned or hired. Just talk to us about your policy needs and we will add mechanic tool insurance to your policy.
Who needs auto mechanic insurance?
Mechanic insurance is needed by all auto businesses who carry out mechanical work on customers’ cars for commercial purposes. Whether it’s simply changing a car battery or undergoing a complete engine overhaul, auto insurance has been designed to protect businesses and their customers from loss or damage resulting from mechanical work. Mechanics insurance, and mechanic tool insurance is designed to protect mobile operators who may need extra coverage for goods in transit and tools and equipment away from building premises.
Car mechanics face a number of challenges in their working life, from accidents and injuries through to particle and chemical exposure, back complaints, and cuts and burns. Anyone who is running a mechanical business needs to protect not just themselves, but also their employees and members of the general public. Dedicated car repair insurance is designed to cover all contingencies that may arise from running a mechanical business, from those that threaten your ongoing income through to those that threaten the business itself and its customers.
Benefits of auto and mechanics insurance
1st Choice Insurance provides a wide range of car repair insurance products for the auto industry, many of which are tailored to the specific needs of mechanical businesses. While basic road risk policies or combined auto trade policies offer a number of protections, they may not meet your needs as a mechanic.
Speaking with an insurance broker about specialist coverage is the only way to ensure full and ongoing protection for your business going forward. Here at 1st Choice Insurance, we offer you the best level of protection that you deserve so you can concentrate on what really matters – running your business.
Why do I need Mechanic Insurance?
Mechanics insurance, can provide mechanic tool insurance, machinery, and cover you to drive customer vehicles for testing and diagnosis. You can also get additional coverage for your business premises such as stock, building contents and the premises itself. Getting this extra cover in place would compensate your business should the worst happen, such as a breakdown, vandalism, and other forms of business disruption.
There are three types of cover; Third Party Only, Third Party, Fire & Theft and Comprehensive.
- Third Party Only mechanics insurance will only pay out when costs occur to a third party. This could be a fault to a customer’s vehicle.
- Third Party Fire & Theft will pay out if a claim is made against you from a third party such as damage to a vehicle, or fire and theft of a vehicle whilst it is in your care.
- Comprehensive cover, however, is an extensive policy that also provides cover for your own damages too. This would cover all of the above, plus your building, contents and other liabilities.
If you are operating from business premises, such as a car garage, we would always recommend a motor trade combined policy. This offers you the best level of protection and would make sure your business is fully protected in the event of a claim. Also, if you are an employer, it is a legal requirement that you have employer’s liability insurance in place to protect your staff in the event that they are harmed at work, either through negligence or by accident.
We are Mechanics Insurance Experts
At 1st Choice Insurance, we’ll use our extensive experience and knowledge to find you the right cover a competitive price, ensuring that we check the market for to find the ideal policy for you, whether you are a full time or part time mechanic, mobile or operate from premises. Get the mechanic or mobile mechanic insurance you need today. Working with some of the biggest insurance companies in the insurance industry, we have access to a wide range of policies and can offer quick quotations and instant cover.
Get A Great Quote Today
Let us take care of searching the panel of insurers for you to find the perfect insurance policy, and save yourself time and money at the same time. We will find the best public liability insurance for mechanics, mechanic tool insurance, and more. Whatever your requirements, 1st Choice Insurance is here to help. Call our friendly, experienced team on 0800 078 7003 – 0300 600 0603 for a no-obligation quotation or use our Get a Quote Form.