Mobile Mechanic Insurance

Mobile mechanic insurance is a type of motor trade insurance designed for mechanics who work remotely, without a fixed garage or workshop. It can provide protection for your business, covering potential risks associated with working at customers’ locations, such as damage to tools, equipment, or third-party vehicles.

Who needs mobile mechanic insurance?

While mechanics insurance isn’t a legal requirement, it may be worth considering if you service or repair vehicles away from a fixed location. This cover is designed for mobile mechanics, accessory fitters, or anyone working on cars remotely.

Mobile mechanic insurance can help protect against risks like damage to customer vehicles, theft of tools and equipment, or potential public liability claims. Without it, you could be financially liable if you damage a customer’s car, or someone injures themselves because of work you carried out. Having this insurance can help protect you, providing cover if an accident happens.

What does mobile mechanic insurance cover?

Mechanics insurance can include road risk insurance, which helps protect you while driving customer vehicles as part of your work. This cover is available in three levels:

• Third party only: Can provide cover for damages or injuries caused to others when driving a customer’s vehicle.
• Third party, fire and theft: Can cover third-party damage as well as protection for fire damage or theft of the vehicle.
• Comprehensive: including third-party damage and damage to the customer’s vehicle, plus protection against fire and theft.

Policies can also include:

• Public liability: Can provide cover for claims of injury or property damage caused to third parties during your work.
• Employers’ liability: Can cover claims from employees who get ill or injured while working for you.
• Legal expenses: Can help with the costs of legal action, such as defending claims or chasing unpaid invoices.
• Tools in transit: Can protect your tools and equipment while transporting them between jobs.
• Commercial vehicle cover: Can offer protection for vehicles used in your business, covering potential damage or theft.
• Business premises: Can cover risks to physical premises you may use for your business operations.
• Tools and equipment: Can provide cover for essential tools and equipment against damage, loss, or theft.
• Business interruption cover: Can help protect your income if you’re unable to work subject to policy conditions.
• Cover for young motor traders: Can offer tailored protection for young or inexperienced motor traders who may face higher risks.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

How much does mobile mechanic insurance cost?

The cost of mobile mechanic insurance can vary depending on several factors, including:

• Level of cover and policy add-ons: More comprehensive cover or additional features may increase the premium.
• Value of tools and equipment being insured: Higher value tools and equipment can result in higher insurance costs.
• Where your business is located: Business location can impact costs if you’re in an area with higher crime or risk of theft.
• Age of driver: Younger drivers may face higher premiums due to increased risk factors.
• Security: Stronger security measures can help reduce premiums by lowering the risk of theft or damage.
• Claims history: A history of previous claims can lead to higher premiums as providers may see you as higher risk.

How to lower the cost of mobile mechanic insurance

There are several ways you may be able to reduce the cost of your mobile mechanic insurance, including:

• Pay annually rather than monthly: Paying for your policy in one lump sum can often result in a cheaper overall premium.
• Build your no-claims bonus: Maintaining a no-claims record can help reduce your premiums over time.
• Increase your voluntary excess: Opting for a higher excess can lower your premium, though it may mean paying more in the event of a claim.
• Take additional security measures: Installing security devices like alarms or trackers can help reduce your risk and lower your costs.
• Limit the number of expensive tools you carry: Carrying fewer high-value tools can lower the risk and insurance cost.
• Limit the number of younger drivers: Drivers aged 25 and under tend to increase premiums, so reducing their number on your policy can help keep costs down.

Why choose Gallagher?

At Gallagher, we work with you to understand your nature of work and the risks you face. That way, we can develop a tailored policy for your mobile mechanic business. We have decades of experience sourcing motor trade insurance policies, so rest assured, we can help find you suitable cover to protect you and your business.

• Easy and convenient: Compare prices from our panel of A-rated insurers* and secure a quote.
• Rated ‘Excellent’: Over 6,000 customers have reviewed Gallagher on Trustpilot**. We also have an independent service rating of 4.6/5.
• Specialist guidance: A dedicated team of specialists can provide you with advice and guidance on finding suitable cover.
• Tailored policies: Every business is unique, which is why we tailor our policies to your unique circumstances and business needs.
• Immediate cover: Take out a policy and get immediate cover to help protect your business.
• UK-based team: Speak to the friendly UK-based Gallagher SME Team to discuss your policy and find suitable cover.

* Independent ratings from third party rating companies. Correct as of May 2025.

**Correct as of May 2025.

Please call us on 0161 874 8024 to discuss your requirements and get a quote for your business.

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