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.
Mobile mechanic insurance is a motor trade policy that is designed to protect you against the unique challenges of running a mobile operation. From liabilities associated with working on the road to safeguarding your tools and customer vehicles, we can provide policies tailored to your needs.
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: Ensures your mobile operations meet legal requirements, avoiding fines.
- Financial protection: Safeguards against accidents, theft of tools, or vehicle damage.
- Peace of mind: Focus on your work without worrying about potential 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 if you can’t 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: Covers legal costs if your work causes injury or property damage.
- Tools and equipment: Protects your tools, whether in transit or on-site.
- Extra drivers: Add employees who may drive customer vehicles.
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 type of repairs you offer, such as diagnostics or bodywork, and whether you transport hazardous materials, can impact your premium.
Location and security
Operating in high-risk areas or storing tools in vehicles overnight may increase costs. But, secure storage and alarms could reduce them.
Vehicles covered
Insurance costs vary depending on whether you work on standard, modified, or high-value vehicles.
Driver details
Your driving history and that of any employees will impact costs. Younger or less experienced drivers may increase premiums.
Policy customisation
Adding cover for tools, public liability, or employer’s liability can affect the overall cost but ensures adequate protection.
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.