What is technician insurance?

Technician insurance is motor trade cover for vehicle technicians, automotive technicians and garage technicians carrying out diagnostics, servicing, inspection, repair or specialist vehicle work.

Motor Trade Insurance

Technician Insurance

Q: Do vehicle technicians need motor trade insurance?

Usually yes if they work on customer vehicles, move them, road test them, store them, diagnose faults or provide vehicle repair services as a business.

Q: Can mobile technicians be covered?

Mobile technicians can often be reviewed, subject to the work carried out, tools, van security, customer vehicle values, work locations and road testing exposure.

Q: What information helps insurers quote?

Insurers usually need details of the technician work, vehicle types, customer vehicle values, road use, tools, diagnostics, premises or mobile setup, staff and claims history.

Specialist insurance for vehicle technicians, diagnostic technicians and garage technicians where customer vehicles, tools, road testing, servicing, repair liability and workshop or mobile work all need to be declared clearly.

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Diagnostics and repair Workshop or mobile work Customer vehicle exposure

Motor trade cover for vehicle technicians

We help vehicle technicians compare cover for customer vehicles, diagnostics, tools, premises, road risks, mobile work, liability and business interruption.

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Insurance for Vehicle and Automotive Technicians

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Technician insurance is for motor trade businesses and self-employed specialists carrying out diagnostics, servicing, inspection, repair, calibration or specialist vehicle work. It can suit workshop-based technicians, mobile technicians, diagnostic technicians, garage technicians and mixed repair businesses.

The right policy depends on whether you work from premises or mobile, whether customer vehicles are moved or road tested, the highest vehicle value in your custody, the tools and diagnostic equipment used, staff numbers, repair scope and claims history.

Technician insurance for motor trade businesses

What Can Technician Insurance Cover?

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

Customer Vehicles and Road Risks

Cover for vehicles in your custody or control while diagnostics, servicing or repair work is carried out, moved, collected, delivered or road tested where accepted.

Customer vehicles at premises or mobile jobs
Road testing after diagnosis or repair
Collection and delivery where required

Tools, Diagnostics and Premises

Protection for diagnostic equipment, hand tools, calibration tools, workshop contents, mobile equipment, parts, laptops, premises and business interruption.

Diagnostic kit, scan tools and laptops
Hand tools and workshop equipment
Fire, theft, flood and interruption cover

Liability and Technical Work

Liability cover can respond to injury, property damage, defective repair allegations, diagnostic disputes and staff injury claims.

Public and products liability
Repair and diagnostic liability review
Employers' liability where staff are employed

What Insurers Usually Want to Know

Technician risks vary depending on whether the work is diagnostic-only, mechanical, electrical, mobile, workshop-based or safety-critical.

Technical Activities

Whether you carry out diagnostics, servicing, inspection, mechanical repair, electrical work, calibration or specialist systems work.
Whether work is workshop-based, mobile, roadside, at dealerships, fleet sites or customer premises.
Whether customer vehicles are moved, road tested, collected, delivered or stored overnight.
Whether you work on EVs, hybrids, ADAS systems, commercial vehicles, performance vehicles or modified vehicles.

Values and Controls

Maximum customer vehicle values and number of vehicles in your care at one time.
Tool, laptop, diagnostic equipment, calibration equipment and parts values.
Premises security, mobile van security, key control, fire controls and battery charging arrangements.
Driver details, claims history, training, qualifications, quality checks and subcontractor use.

Example Claims

Technician claims often involve customer vehicle damage, diagnostic disputes, safety-critical workmanship and specialist equipment.

Diagnostic dispute

A customer alleges an incorrect diagnosis led to unnecessary work, further damage or a missed safety issue.

Road test incident

A vehicle is damaged while being road tested after diagnosis, calibration, servicing or repair.

Tool and equipment theft

Diagnostic equipment, laptops, specialist tools or mobile equipment are stolen, delaying booked work.