Find out how much you can save. Complete the form to get a quote.
Insurance For SMART Repair Mechanics
Whether you fix dents, scratches, or alloy wheels, you’ll need the ideal cover to support your motor trade. Allow us to take the wheel and get you covered for your vehicle, tools, equipment and more, so you can get the job done.
Policies From Just £39.37** Per Month
Road Risk Insurance
If you’re carrying out SMART repairs, having the right insurance isn’t just a legal requirement, but an essential for protecting your business and your customers’ vehicles. Whether you’re mobile or working from a fixed location, road risk insurance is a vital part of your cover.
Types of Road Risk Insurance
Third Party Only
This is the legal minimum. It allows you to drive customer vehicles on public roads but only covers damage to other people and their property. Your own losses wouldn’t be covered, making this the most basic option.
Third Party, Fire and Theft
In addition to third party protection, this level covers the vehicle you’re driving if it’s stolen or damaged by fire. It’s a popular choice for SMART repairers who move or store customer vehicles.
Comprehensive Cover
The highest level of protection. It includes third-party, fire, and theft, plus cover for accidental damage to the vehicle you’re driving, even if you’re at fault. Ideal for those handling high value vehicles or looking to reduce financial risk.
For larger operations or those with premises, motor trade combined cover offers tailored protection both on and off-site. Eager to learn more? Read our blog: Who Needs Combined Motor Trade Insurance?
Public and Employer's Liability
As a SMART repair professional, you’re often working directly with customers and their vehicles, sometimes on their property or at their place of business. Public liability insurance is strongly recommended, as it protects you against claims if someone is injured or their property is damaged as a result of your work. Whether it’s a minor scratch on a customer’s car or an accident involving a member of the public, this type of cover can shield your business from unexpected legal and financial challenges.
If you employ anyone in your business, even on a part-time or casual basis, employers’ liability insurance is a legal requirement. It covers you if an employee is injured or falls ill as a result of their work. In a hands-on trade like SMART repair, where tools and equipment are regularly in use, this type of protection is essential for your staff’s safety and your own financial security.
Frequently Asked Questions
SMART repairs (Small to Medium Area Repair Techniques), cover cosmetic work on vehicles without needing full panel replacements or major bodyshop intervention.
These repairs focus on localised damage and are often completed quickly, either on site or through a mobile service.
For motor traders, smart repairs can include:
- Bumper scuffs
- Paint scratches
- Small dents
- Stone chips
- Alloy wheel refurbishment
- Interior trim or fabric repairs
Not all insurers automatically include cosmetic repair work. If your business offers these services, it is important to make sure they are listed under your motor trade insurance policy.
Insurance for SMART repairs ensures your business is properly covered to carry out cosmetic repair work.
That means your motor trade policy should include:
- The specific services you offer (like paint correction, dent removal, or wheel refurbishment)
- Public liability and product liability cover
- Tools and equipment
- Road risk, if you are moving customer vehicles
- Premises cover, if you operate from a fixed location
Some motor traders can also purchase smart repair insurance as an add-on to their personal vehicle cover. If you are offering or promoting these products, it is worth understanding how they work alongside your trade insurance.
Yes, for traders, smart repairs offer a great return on time and cost, helping vehicles look their best before sale or collection.
This type of service also builds trust. A well-presented vehicle sells faster and makes a better impression. Whether you sell, buy, or repair cars, SMART repairs can be a strong part of your service offering.
We help motor traders get the right cover for their needs, including SMART repairs, mobile work, and more services. If you are not sure whether your current policy covers you for this kind of work, we are happy to take a look and advise.
A SMART repair technician is trained to carry out minor, cosmetic vehicle repairs to a professional standard.
These technicians work on everything from chipped paint and scratched panels to cracked bumpers and scuffed alloys. Many operate mobile or from smaller premises, making the service flexible and cost effective.
If you are a technician yourself or employ one as part of your motor trade business, your insurance policy should reflect this. Not all insurers automatically cover cosmetic or detail work, so it is important to declare this activity when setting up or renewing your cover.
As brokers, we can guide you on exactly what to include so your work is protected and your business is up-to-date with the latest regulations.
How It Works:
Get Insured In Three Easy Steps
Click the button on the right or call us for a free quote.
We'll guide you through policies and prices.
Get insured today. Pick a policy, and we'll sort everything.
Every business is different. Whether you buy and sell vehicles part-time or operate MOT services from your own premises, it’s vital that you have the proper protection if the unexpected happens during your working day.
Latest News
- 4, June
- 3 mins
The UK Cities Where Drivers Pay the Most for Car Repairs
Does your town or city have the highest car repair bills? Let's find out the average prices of common repairs and servi...
Read More
- 21, April
- 5 mins
What the Spring Statement 2026 Means for Your Insurance.
Here, we break down what the latest budget update means for drivers, motor traders and homeowners.
Read More
- 8, April
- 4 mins
What Are The New Eye Test Rules For Drivers Over 70?
If you are a mature driver, you have probably noticed more headlines about older motorists, eyesight, and licence renewa...
Read MoreAffordable Protection, Tailored for You
Building long-lasting relationships based on trust and exceptional service.