Compare Mechanic Insurance
Are you a mechanic looking for a good deal on your mechanic insurance?
We work with leading UK Motor Trader Insurance brokers to find you a competitive policy tailored to your needs.
Our service is FREE to use with no obligation. Our brokers are well vetted and extremely knowledgeable when it comes to your mechanics cover.
Applying for Mechanic Insurance
Applying for mechanic insurance is quick and easy. You can use the contact form to the right, or complete our quick and easy full insurance quote form.
This service is no obligation, free to use and impartial, we don’t sell any details on either giving you peace of mind.
in association with our panel of brokers, there is not a motor trader we cannot get quoted. Whether you have a good or bad claims history, work full time or part time, we can find insurance for you!
Apply for your mechanic insurance quote now and we shall start search instantly, we can even start your quote within 3 minutes! You may be surprised how much we can save you!
What does Mechanics Insurance cover?
Policies can be completely tailored to cover your individual business needs. Mechanics can trade from home or from a separate business premises and therefore polices will full under two main categories, combined motor trade cover or road risk only.
Policies are tailored to cover anything from professional indemnity, tools you use, the vehicles you work on and loss of earnings should you wish.
What cover type is best for my mechanics business?
Working out what type of policy you need is quite simple and outlined below:
Road Risk Only
This form of policy will apply to mechanics who trade from their home address. Regardless of whether full time or part time trader, if you trade from home, this is the policy you will require.
Combined Motor Trade
This form of policy will apply if you trade from a business premises separate to your home address. This form of policy will extend to cover the building as well as the usual protection offered against damage to vehicles etc.
Reducing the cost of Mechanic Insurance
You can reduce the cost of you mechanic cover by insuring only what you need to cover.
Level of Indemnity
By keeping your level of indemnity lower, you reduce the level that a broker may have to pay out should you need to make a claim. Always make sure though that your indemnity level is appropriate to your level of risk.
Third Party v Comprehensive
If you are unlikely to use the roads a great deal in your line of work, you may get away with a simply third party cover level. Like private car cover, your own vehicle will not be covered in the event of an accident. This is a very basic level of cover and only suitable for small time traders.
If you have a premises or large amount of tools for your mechanics business, you may want to consider installing security devices such as better rated locks on doors and tool chests. It is also advisable to install security cameras that will deter people from stealing or damage your property.