Mobile mechanic insurance
Insure your mobile mechanic business with zero hassle
In partnership with some of the leading UK insurers, we’ll not only get you a better mobile mechanic insurance deal with the best cover available, we will work hard to keep you as a customer year after year.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable motor trade insurance prices.
With over 50 years of experience providing top-quality insurance for the motor trade, you can be sure we’ve got you covered.
24/7 claims service
We’re here for you round the clock
when you need us most.
Fairer prices for all
We only provide cover for good
drivers, so you’ll get a better deal.
Carbon offsetting
We’ll plant trees to clean up after
your motor trade work. Seriously!
What is mobile mechanic insurance?
As a mobile mechanic, you are responsible for driving both customers’ vehicles and your own, transporting your tools, and managing liabilities for members of the public and potentially employees.
Motor trade insurance is a specialised type of cover with the primary purpose of offering protection against the unique risks associated with handling multiple vehicles and dealing with the public. We can offer a range of policies tailored to meet the specific needs of a motor trade business, including mobile mechanics.
Motor trade insurance is not just a legal requirement for many businesses but also a crucial risk management tool. Without proper insurance, a business could face significant financial losses from accidents, theft, or damages. Here are some key reasons why cover insurance is vital:
- Legal compliance: It ensures that your business adheres to legal requirements, avoiding hefty fines and penalties.
- Financial protection: Safeguards your business against the financial fallout from accidents, theft, and other unforeseen events.
- Peace of mind: Allows you to focus on running your business without constantly worrying about potential risks and liabilities.
Types of cover
Road risks insurance
Road risk insurance is a fundamental component of motor trade cover, including mobile mechanics. It allows traders to legally drive vehicles on public roads for purposes such as test drives, deliveries, or customer collections. There are three levels of road risks cover:
- Third-party only (TPO): Covers damage to other people’s property or injury to others. It’s the minimum legal requirement.
- Third-party, fire and theft (TPFT): Includes TPO cover and adds protection against fire damage and theft of vehicles.
- Comprehensive: Offers the highest level of protection, covering third-party risks, fire, theft, and damage to the trader’s vehicles.
Combined insurance
Combined motor trade insurance provides broader cover, encompassing road risks and additional protections such as:
- Business interruption: Covers lost income and additional expenses if your business is unable to operate due to an insured event.
- Premises insurance: Protects business premises against risks like fire, theft, and damage.
- Material damage: Cover damage to any vehicles or equipment stock on your business premises.
- Employer’s liability: Mandatory for businesses with employees, covering workplace injuries or illnesses.
- Public liability: This covers legal costs and compensation if your business activities injure a member of the public or damage their property.
- Tools and equipment: Protection for the tools and machinery essential to your operations.
- Extra drivers: Cover for employees who may be driving customers’ cars.
How much does mobile mechanic insurance cost?
Typically, mobile mechanic insurance premiums can vary, influenced by the cover level and specific details of your business.
Key factors affecting how much insurance costs:
Type of cover
Is the level of cover selected third-party only (TPO), third-party, fire and theft (TPFT) or comprehensive.
Nature of business
The specific operations of your motor trade business play a significant role in determining your insurance premium.
Location and security
Where your business operates and the security measures you have in place can affect insurance premiums.
Vehicles covered
The types of vehicles you deal with can significantly impact your insurance costs. For example standard vs classic or vintage cars.
Driver details
The profiles of individuals named on your policy are critical. Age, driver experience, driving history and the number of drivers can all impact.
Policy customisation
Tailoring your insurance policy to fit your business needs can influence costs. Adding additional cover such as liability or tools cover.
Get a quote or advice
Please call us on 0345 222 6318 to get more information or to discuss your motor trade requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.