What is Mobile Mechanic Insurance?
Mobile mechanics are often the saviours of the stranded. Equally, you make life convenient for people who don’t have the time to leave their car at a garage, travelling to meet them at their home or place of work to service their vehicle.
However you operate, it’s important to have motor trade insurance that covers you to drive customers’ vehicles and your own vehicle, your tools in transit, and your liabilities for employees or members of the public.
This is what mobile mechanics insurance offers.
What cover do I get?
As with all motor trade insurance, mobile mechanics need road risks insurance to drive other people’s vehicles in their custody and control. This is available on a third-party, third-party fire and theft or comprehensive basis, but be careful – comprehensive cover only covers the trade value of a vehicle, rather than its private purchase cost.
Many mobile mechanics work on a part-time basis and work alone. For this reason, in addition to road risks insurance, we recommend that you consider public liability insurance. You’re always dealing with members of the public to do your job, so it makes sense to have suitable cover in place in case of a claim of alleged injury from one of your customers or another member of the public.
Gallagher can also cover your portable tools in transit, making sure that should you lose the vital equipment to do your job or suffer from a theft, you won’t be massively out of pocket and unable to work.
If you have business premises or carry out other motor trade work, we can look to cover this for you too, including business premises away from your home.
Additionally, we may need to cover the commercial van you use to travel out to customers as part of your motor trade policy – so all your cover is in one place.
Get a quote or advice from us
Please call us on 01625 854458 to discuss your requirements and get a quote for your business.
When it comes to insurance
- Do you need to be insured to test customers vehicles?
- Could you be sued in relation to the work carried out?
- Value of hand tools stored in your vehicle?
- Will your own van be included as part of the policy?