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Customer Vehicles and Road Risks
Cover can be arranged for customer vehicles in your care, custody or control, including movement around premises, road testing, collection and delivery where declared and accepted by insurers.
Motor Trade Insurance
Vehicle Engineer Insurance
Specialist insurance for vehicle engineers and automotive engineering businesses where diagnostics, repairs, inspections, modifications, customer vehicles, road testing, tools and liability exposures all need to be declared clearly.
Diagnostics and engineering
Customer vehicle exposure
Tools, premises and liability
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Working with insurer markets
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- CHUBB
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- AXA
Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.
Insurance for Vehicle Engineers
Vehicle engineer insurance is designed for motor trade businesses carrying out technical work on cars, vans, light commercial vehicles or specialist vehicles. This can include diagnostics, mechanical engineering, electrical checks, servicing, repairs, inspections, modifications, fault finding and component replacement.
A suitable policy should reflect the work you actually do, whether you operate from a workshop or mobile unit, the type and value of vehicles handled, whether you road test or collect vehicles, and the value of your tools, diagnostic equipment, stock and premises.
Tools, Equipment and Premises
Protect diagnostic equipment, hand tools, specialist machinery, ramps, stock, parts, computers, workshop contents and premises against insured events such as theft, fire or accidental damage.
Liability and Engineering Work
Public liability, products liability, employers liability and workmanship-related allegations can be considered for claims involving injury, property damage, faulty parts or completed work disputes.
What Insurers Usually Want to Know
Vehicle engineering can mean different things to different insurers, so precise descriptions help avoid gaps between the work you do and the cover arranged.
Engineering Activities
- Diagnostics, inspections, servicing, repairs and fault finding
- Mechanical, electrical, engine, braking, suspension or steering work
- Vehicle modifications, tuning, fabrication or specialist component fitting
- Workshop, mobile, subcontracted or customer premises work
Vehicles and Controls
- Maximum customer vehicle value and number of vehicles held
- Road testing, collection, delivery and driver details
- Tools, diagnostic equipment, machinery, stock and premises security
- Qualifications, staff numbers, subcontractors, quality checks and claims history
Example Claims
Vehicle engineers can face claims involving customer vehicles, technical work, tools, equipment, visitors and completed repairs.
Faulty Work Allegation
A customer alleges that repair or diagnostic work caused further mechanical damage. Liability cover can help defend and settle valid claims.
Road Test Incident
A customer vehicle is damaged during a road test or collection. Motor trade road risk and custody cover are important considerations.
Diagnostic Equipment Theft
Specialist tools and diagnostic equipment are stolen from the workshop or van. Tools, contents and equipment cover can help with replacement costs.
Related Motor Trade Pages
Explore nearby motor trade covers for repair, diagnostics, specialist fitting and customer vehicle handling.
Vehicle Engineer Insurance FAQs
What is vehicle engineer insurance?
It is motor trade insurance for businesses carrying out vehicle diagnostics, mechanical work, electrical checks, inspections, repairs, modifications, servicing and related engineering services.
Do vehicle engineers need road risk insurance?
You may need road risk cover if you drive, collect, deliver, road test or move customer vehicles on public roads as part of your work.
Can tools and diagnostic equipment be covered?
Yes, insurers can usually consider cover for diagnostic equipment, hand tools, specialist machinery, ramps, parts, computers and workshop contents, subject to values and security.
What information helps insurers quote?
Useful details include your exact engineering activities, vehicle types and values, driver details, road testing, premises security, tool and equipment values, staff numbers, qualifications, modifications and claims history.