Mobile Mechanics Insurance

Road Risk Insurance.

This can be bought on a Third Party Only, Third Party Fire and Theft or Comprehensive basis. It allows you to drive customers vehicles as well as covering them while in your care and custody. In addition, it provides protection for you and your employees driving your own business vehicles.

Tools and portable tools cover.

The vehicles that you use to get to customers will naturally be laden with the tools and diagnostic equipment that you and your staff need to carry out repairs. These are the lifeblood of your business and likely to represent significant investments. Cover can be provided upto and agreed and appropriate limit, and protection can sometimes be provided for tools left in the vehicle overnight (with specific security requirements).

Service Indemnity Insurance.

This protects you in the event that a customer claims loss, injury or damage as a consequence of your work. It’s effectively cover against claims of defective workmanship. Defending yourself in such circumstances can be time consuming and expensive, even where the claim is ultimately disproven. Having cover in place means peace of mind, allowing you to get on with running the business.

Mobile Mechanic Liability Insurance.

Public and Employers Liability Insurance is available for mobile mechanics. Employers Liability Insurance is a legal requirement where you have anyone working for you – even on a casual basis. Public Liability Insurance offers protection in the even that a member of the public claims to have suffered a loss or injury as a consequence of your business activity.

Other considerations should be made based on your particular business. If the business operates out of commercial premises where you have office contents and store equipment or stock, it’s likely that you will benefit from a Motor Trade Combined policy, which can be tailored to your needs, but principally provides a wide range of covers on a single policy.