As a mechanic, you undertake risks in everything that you do. Your work requires attention to detail and a great deal of responsibility as you work on your customers’ vehicles. Having the right insurance in place to protect you if something goes wrong is essential to protect you, your business and your reputation.
We’ll work on your behalf to take the hassle out of arranging your mechanics insurance for you. As we work with some of the UK’s leading insurers, we can arrange a range of competitive quotes that meet your individual workshop requirements.
So if you’re looking for mechanics insurance but not sure where to go, then give us a call or request a call back. We can make recommendations based on the covers you need to help you choose the right protection for your livelihood. It’s simple, hassle-free insurance that’s tailored to your business.
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Mechanic insurance is designed to cover a number of trades in the sector, from mobile mechanics to auto electricians. The risks associated with the motor trade require specialised insurance to protect your livelihood, so if something unfortunate were to happen you’ve got peace of mind knowing you’re covered.
All these covers can be tailored to your requirements, whether you are mobile or premises-based, we can source the right mechanic insurance to suit your business needs.
When deciding what insurance and covers you need to protect your business, you should consider the following:
There are a number of factors to take into account when arranging your mechanic insurance. Public liability insurance is essential to protect against accidental injury or damage to property. For instance, if you accidentally scratch the paintwork on a client’s vehicle, you may be liable to pay compensation.
Employers’ liability insurance should also be taken out if you have full or part-time staff, as required by law, in case they injure themselves at work. For instance, if a member of staff burnt their hand whilst doing some welding work, employers’ liability insurance would cover the legal and medical costs as well as compensation awarded as a result.
While being self-employed comes with many advantages, it’s important to consider the financial risks of working for yourself. For instance, if you had an accident that left you unable to trade, your income could take a hit. Personal accident cover can offer a weekly income to tide you over until you’re back on your feet again.
Whether your business is mobile or based in a workshop, you will have an extensive collection of tools that would be costly to replace. Protecting your property and equipment is essential; without it, you wouldn’t be able to trade. If you own the premises you trade from, then buildings insurance can be added to your policy as well.
Business interruption insurance can protect you if you suffer damage at your premises resulting from an insured event. This means that if you had a fire at the premises and were unable to trade, business interruption would cover your profit and fixed expenses including staff salaries to tide you over while you get back up and running.
If you are driving your client’s vehicles, whether you are delivering them back to their home, or simply moving them in and out of your repair centre, you will need to take out road risk insurance to protect yourself against unforeseen events. This can safeguard your business against accidents while clients’ vehicles are in your care.
A commercial vehicle or van could be a crucial part of your business; whether it’s for deliveries, tools, or even just getting to and from your customers on a daily basis, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for mechanics.
It may be worthwhile considering the need for commercial legal expenses to safeguard against tax and VAT disputes, employment disputes and compensation awards as well as jury service allowance.
You may also wish to protect your tools and equipment against theft and damage. You can select the level of tool cover you would like, meaning that you only pay for the cover that you need.
There are a number of covers to consider that can be tailored specifically to your business activities. Liability insurance is a must for any mechanic, and public liability can cover you against accidental injury or damage to third-party property. As cautious as you may be in your day-to-day activities, mistakes can be easily made, meaning comprehensive mechanics insurance is essential for any business owner.
At Premierline, we offer mechanics insurance that can be as simple or comprehensive as you require depending on your business. When thinking about what insurance and covers you need to protect your business, you should consider the following:
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The cost of mechanics insurance depends on a range of factors including the size of your business, and the level of cover that you need. Get a tailored quote online or contact one of our business insurance specialists to find out how much your mechanics insurance might cost to protect yourself and your business from unforeseen circumstances.
We have many years of experience arranging mechanics insurance so we’ve really got to know the covers that different types of mechanics require. We are here to make sure that you have the covers you need to protect you against the risks you face on a daily basis.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
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Call today or request a call back. Our advisors are on hand to discuss your specific requirements, and arrange your mechanic insurance policy for you.
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