Why do I need Mechanics Insurance?
Mechanics insurance can provide mechanics 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 car 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.
Benefits of 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 individual motor trade businesses. While basic road risk policies or combined auto trade policies offer a number of protections, they may not meet all 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. We’ll use our extensive experience and knowledge to find you the right cover at a competitive price, ensuring that we check the market to find you the ideal policy, 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 Mechanic Insurance 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, mechanics tool insurance, and more. Whatever your requirements, 1st Choice Insurance is here to help. Call our friendly, experienced team on 01743 770 500 for a no-obligation car repair insurance quotation or alternatively you can use our Get a Quote Form to request a call back.