Mobile mechanic
insurance
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Insure your mobile mechanic business with zero hassle
As a mobile mechanic, you are responsible for driving both your own vehicle and customers’ vehicles, transporting your tools, and managing liabilities related to the public and potentially employees, all of which require insurance cover.
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.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a mobile mechanic.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
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.
What is mobile mechanic insurance?
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: Insurance ensures you meet legal requirements for driving customer vehicles, transporting tools, and handling liabilities, helping avoid fines or business disruptions.
- Financial protection: Covers risks like damage to customer vehicles, theft of tools, or road accidents, ensuring your finances are protected.
- Peace of mind: Comprehensive cover lets you focus on your work without worrying about accidents, theft, or disputes.
Types of cover
Road risk 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 risk 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 motor trade insurance costs:
Type of cover
Your premium is effected by the level of cover selected, whether it’s 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, vintage and classic 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.
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