What is mechanic vehicle insurance?

Mechanic vehicle insurance is motor trade cover for mechanics and garages that repair, service, diagnose, road test or move customer vehicles.

Do mechanics need motor trade insurance?

Usually yes if the business works on customer vehicles, drives them for road testing, stores them, collects them or delivers them as part of trade activity.

Can it cover customer vehicles?

Policies can include cover for customer vehicles in the mechanic's custody or control, subject to declared activities, vehicle values, limits and policy wording.

Can mobile mechanics be covered?

Mobile mechanics can often be reviewed, but insurers need details of where work is carried out, tools carried, vehicle use, road testing and the type of repairs undertaken.

Motor Trade Insurance

Mechanic Vehicle Insurance

Specialist insurance for vehicle mechanics, repair garages and mobile mechanics where customer vehicles, road testing, tools, premises, repair liability and staff safety all need to be declared clearly.

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Garage and mobile mechanics Customer vehicle exposure Tools, road risks and liability

Insurance for Vehicle Mechanics

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Mechanic vehicle insurance is for businesses that service, diagnose, repair, inspect, road test, collect or deliver customer vehicles. It can suit independent garages, mobile mechanics, service centres, light vehicle repairers and mechanics working with cars, vans or mixed vehicle types.

The right policy depends on what work you carry out, whether you drive customer vehicles, the highest vehicle value in your custody, your tools and equipment, premises security, staff numbers and claims history.

Mechanic vehicle insurance for garages and motor trade repairers

What Can Mechanic Vehicle Insurance Cover?

Policies can be built around customer vehicles, road testing, workshop equipment, tools, premises and repair liability.

Road Risks and Customer Vehicles

Cover for declared drivers using customer, stock or business vehicles on public roads for motor trade purposes, including road tests and collection or delivery where accepted.

Customer vehicles in custody or control
Road testing after repair or diagnosis
Collection and delivery where declared

Tools, Equipment and Premises

Protection for workshop premises, ramps, diagnostic equipment, compressors, specialist tools, parts stock and interruption after insured damage.

Hand tools and diagnostic kit
Ramps, compressors and workshop machinery
Buildings, contents and business interruption

Liability and Repair Work

Liability cover can respond to injury, property damage, defective repair allegations and staff injury claims arising from mechanical repair work.

Public and products liability
Defective workmanship and repair liability review
Employers' liability where staff are employed

What Insurers Usually Want to Know

Mechanic risks change quickly depending on whether the business only services vehicles, carries out safety-critical repairs, works mobile or stores customer vehicles overnight.

Repair Activities

Whether you carry out servicing, diagnostics, brakes, steering, suspension, engine work, MOT prep or electrical work.
Whether you work from premises, mobile, roadside, customer sites or a mixture of locations.
Whether vehicles are road tested, collected, delivered, stored overnight or held on behalf of customers.
Any work on performance vehicles, electric vehicles, hybrids, commercial vehicles or modified vehicles.

Values and Controls

Highest vehicle value, total vehicles on site and key control arrangements.
Driver ages, convictions, licence history, motor claims and road risks requirements.
Tool values, ramp inspections, machinery maintenance, battery charging and hazardous storage.
Premises security, CCTV, alarms, fire controls, staff numbers and subcontractor use.

Example Claims

Mechanic claims often involve customer vehicles, safety-critical repairs, tools and workshop interruption at the same time.

Road test accident

A mechanic has a collision while road testing a customer vehicle after diagnosis or repair.

Defective repair allegation

A customer alleges a brake, steering, suspension or engine repair was faulty and caused further damage or injury.

Tools and workshop theft

Diagnostic equipment, hand tools or workshop machinery are stolen, delaying jobs and reducing the garage's ability to trade.