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Mechanics
Insurance You Need.
For mechanics with garages, you need a bespoke motor trade policy tailored to your work.
By getting covered via our insurance broking experts, you'll get:
Why choose I4MT?
As a trading style of One Sure Insurance - one of the fastest growing motor trade insurance brokers in the UK, we bring a wealth of industry experience to get your cover. We can bring you:
Our team of experts will craft and can be design your policy to fit the specific risks of your trade.
Whether you’re a small independent garage or a large multi-site operation, we can find you the flexible policies you need to protect your business, employees, and customers.
With cover for road risks, tools, and equipment, and liability protection, you can work with confidence knowing you’re safeguarded against unforeseen events.
By ensuring your peace of mind, we can let you focus on what you do best: keeping vehicles on the road.
Policies Specially Made For The Motor Trade
With us, you can expect top-notch insurance expertise and service, as we tailor your cover to the individual needs and requirements of your business. We'll take care of everything. Here is what you can expect from the I4MT experience:
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A Trusted Panel of Underwriters
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Your Renewals Made Hassle-Free
Every year, we quote you an up-to-date price and give you the chance to automatically renew your policy.
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Make Changes When You Need To
Make Changes When You Need To Don't keep your business on hold with us. You can raise your indemnity level and cover as and when needed.
Why do I need mechanics insurance?
As a mechanic, you fix problems, repair damages and provide a holistic service to customers. You may run your operations on your private property, have a mobile van or rent a garage. You may even have tools and equipment that cost thousands of pounds and some that are small but just as important.
The question is, what have you done to protect the important aspects of your business? Let’s face it, the chances of a mishap or accident are high.
Theft, fire, and accidents at the workplace or out on the road are highly possible. With our mechanics insurance, you are prepared for any such outcome. Just tell us what you need, and we’ll do the bulk of the work on your behalf so that you can concentrate on your garage and your customers.
What does mechanics insurance cover?
There are three basic levels of insurance for mechanics that you can take. Keep in mind that there are also several additional covers, which we discuss in the next segment that you can add to any of the following basic motor trade insurances.
- Third-Party Only – The cheapest car repair insurance covers only damage to third parties on public property or public roads. This policy does not cover damages to a customer’s vehicle in the event of an accident or mishap. It, however, includes any damage to public property such as a light pole, hydrant, signboard or another vehicle/individual on public roads.
- Third Party, Fire, and Theft – Fire and theft are just as big a possibility as an accident. This kind of cover includes fire and theft of the customer’s vehicle in your possession. If a client leaves his car in your care for the entire duration, it is covered from any possible damage due to fire or vandalism.
- Comprehensive – As the name suggests, it is all-inclusive. Everything available in the first two levels of road risk insurance is included. Additionally, comprehensive insurance includes any customer vehicle in your care.
What additional cover do I need as a mechanic?
Here are a few add-on covers you can take on top of your policy:
Tools And Equipment Cover
Tyre fitting equipment, hydraulic platforms, pressure washers, fabrication machines, and a garage’s list of expensive equipment is endless. Owning a fully equipped garage is costly, and an adequate tool and equipment cover protects your garage from theft, vandalism, fire and other accidents.
Employers Liability
If you have employees in your garage or even for the front desk, you need employers’ liability to protect their employment and your business interests in the event of a workplace-related incident.
Cover Of Stock
Keeping spares in your garage is how you can quickly effect repairs. Inevitably you have to stock up on spares and parts to run a successful garage. With such a cover, your stock is protected against damage due to fire, theft, and vandalism. If you run your garage from a business premises, you may opt for the in-premises cover, which includes customer vehicles, cars and stock on your registered business grounds.
Liability
If you allow customers to enter your garage, you are exposed to civil litigations if your client is injured or hurt on your business premises. Public liability cover helps tackle such tricky situations.
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Frequently Asked Questions
Discover the answers to the most-asked questions on motor trade insurance.
You may be able to add another named driver to your policy or opt for an ‘any driver’ policy. The latter permits your staff to drive the vehicles required to conduct your business.
However, policies will vary and depend on how your business operates and what coverage you need. Generally, as a mechanic with a motor trader policy, you will be covered to drive the vehicles you use to run your business and your customers’ cars if they’re in your custody or care.
The cost of your mechanics insurance depends on your business operations, driving history and the level of coverage you need.
Discover how much you could save on your motor trade tailored to your car repairs work by clicking ‘Get a Quote’ now.