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Motor Trade Insurance for Mechanics and Garages.
Cover for Road Risk, Personal Injury and Employers’ Liability.
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No day is the same when you work in a garage; one moment, you could be test-driving a car to double-check the repairs carried out, and the next, you may perform an MOT test. Due to the varied nature of this role, mechanics face many challenges and risks, which is why the right insurance is essential. Whether you work as a mobile mechanic or own your own garage, we can get you covered.
Mechanic insurance is a type of motor trade policy specifically aimed at commercial garages, body shops, and MOT services that restore or repair vehicles. Any type of business operating in the repair, restoration, and testing of vehicles will need mechanic insurance.
With the industry being so varied, the following types of professions often require a motor trade insurance policy specifically for a professional garage:
Mechanics require road-risk insurance as they are classed as working in the motor trade industry. Even though you may not sell vehicles, fixing cars in exchange for profit is considered a motor trade profession. Additionally, you also need service indemnity cover for the cost of further repairs or replacements in case you accidentally damage a part of your client’s vehicle.
Motor trade insurance is suitable for any type of mechanic, whether you’re a mobile mechanic or work from a fixed location such as a commercial garage or auto shop.
Business owners with a large workforce need to take into account compulsory policies, such as third-party road risk and employers’ liability cover. These necessities can be purchased as a separate policy alongside road risk cover or in a combined policy.
The main road-risk insurance policies for mechanics and garages are
For a more tailored cover, there is also:
No matter which policy you’re interested in, our team will use their insurance expertise to give you all the guidance you need to make informed decisions about what your business needs.
Whether a young apprentice will affect your policy depends on whether they will be a named driver. In any type of insurance, a named driver under 25 with less driving experience will definitely cause your premium to be on the pricier side. For smaller businesses, this can certainly pose a problem as you want to try to save money where you can.
Mechanics and garages with a growing number of employees often opt-in for an ‘open driver’ policy when purchasing motor trade insurance.
This policy will allow another licensed driver to use your vehicle with your consent. However, there may still be age restrictions for an open driver policy that vary depending on your insurer.
Here are just some of the reasons why you should get a quote with us.
You’ll be in safe hands with our dedicated renewal team. We’re always one step ahead to bring you the best premium rates on the market.
Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*
Insurance with us is simple. We know circumstances change, so if you need to change your policy, our friendly team is happy to help.
Relax. We’ll do all the work to find the right motor trade policy for your garage with our trusted underwriters.
*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.
A mechanic may not be the first profession to come to mind when you think of a dangerous job. However, it is one of the many professions that can expose people to hazards. While you and your staff will be committed to following health and safety guidelines on and off-site, accidents can and do happen. Here are just some of the risks that mechanics face at work:
Fire: Working with so many flammable materials, such as chemicals, oils, and fuel, with hot machinery and engines can pose a fire risk. A potential fire may cause injury to staff and customers on your premises, along with damage caused to your equipment, garage and your customers’ cars and belongings. If the correct cover isn’t in place, these issues could land you in financial hot water.
Road risks: Even if your main time is spent in the garage, you still need to consider road hazards as a mechanic. Whether you’re testing work on a motor or performing an MOT service, you’ll need to find out if any problems with a vehicle in your care persist when driving on the road. What’s more, if you’re a mobile mechanic specialising in breakdowns and roadside recovery, the location of the vehicle you’re recovering may create a hazard on the road for both you and other drivers. Having a road-risk policy will give you peace of mind that if you’re called out, you’re covered in the event of an accident.
Injuries: As a car mechanic, you’re no stranger to working with heavy machinery and equipment. Unfortunately, anything from cuts, burns, bruises and electric shocks can be occupational hazards, whether caused by accident or equipment malfunctioning. Employers and public liability insurance for mechanics and garages will protect your business in case of a claim for compensation for your employees and your business if anyone is injured at work.
Theft: Thieves target garages and auto shops to steal tools, vehicles, and cash stored on-site – which can be a huge financial hit for you and your customers. Even as a result of the attempted break-in, your premises may still be damaged which could hit you financially. We can help you to tailor a motor trade policy to include cover for cash, tools, equipment, and third-party vehicles on-site, alongside building insurance.
When opting for mechanics liability insurance on your motor trade policy, the number of employees might affect your premium. If your business employs many mechanics and auto shop staff, your quote may be slightly higher than those offered to a smaller business or a self-employed mechanic. The age of your employees will not need to be factored into this type of cover.
Employers’ liability insurance is necessary for any business to protect your livelihood should someone claim compensation after a workplace injury. Legally, the minimum required employer liability cover that you should have must be approximately £5,000,000.
Mechanics and service garages must prove to insurers that they are genuine motor traders.
Any evidence that you are an active business will support your application for motor trader insurance. These could be receipts and invoices from any repair works and services, along with documents proving that you have garage and auto shop premises.
If you’re searching for more information about the Motor Insurance Database, read the following guides:
