Mechanic Insurance

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Mechanic's Insurance In 3 Steps

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Enter your details in the short one page form

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What is mechanic’s insurance?

Mechanics insurance is an essential part of running a business for any mechanic and can be tailored according to your needs. If you will be driving customer vehicles or if you have employees then certain covers, e.g. road risks and employers liability insurance are a legal requirement.

What does mechanic’s insurance cover?

Mechanic’s insurance can be tailored to include a variety of risks, such as, but not limited to:

Check Mark Road risk

Cover whilst driving your customer’s vehicles

Check Mark Public liability

Cover for damage or injury to members of the public or customers

Check Mark Stock and tools

Cover for the theft or damage of stock or tools

Check Mark Commercial premises

Cover for your commercial property, including fire and flood damage

What cover does your business need?

Knowing which covers you should and should not include in your policy is not always obvious. When you use our service, you will be discussing your requirements with experienced insurance providers who can guide you through the process and offer advice as to what your policy should include.

How does Quote Goat help mechanics find insurance?

After submitting the quote form on our site, your details will be sent to up to 5 insurance providers who will call you to discuss your requirements in detail and assist with creating a tailored policy for your business. By sending your details to multiple providers, you benefit from being able to compare quotes to find the most competitive price.

How much does a mechanics insurance policy cost?

The cost of cover is completely dependent on your business’ requirements and level of risk. The easiest way to get an accurate understanding of the costs involved is to arrange a no-obligation quote via the quote form here.

Mechanic working on a car

Who needs Mechanic’s insurance?

Mechanics insurance protects mechanics and their belongings, their customer’s vehicles and the contents of those vehicles. Any business that carries out mechanical work on customer vehicles for commercial purposes needs mechanic insurance. This work can vary from simply changing car batteries to car overhauls and more severe repair jobs.

How can I keep insurance costs to a minimum?

Using a comparison site, like this one, is a sure-fire way to help you save money on your trade policy, by comparing prices from multiple providers with just one short quote form. Asides from that, the following tips may also help you reduce the cost of your cover:


Avoid over-insuring

Pay attention to unwanted extras included in your policy and ensure you only purchase the cover you require.


Employees on your policy

Younger employees and those with motoring and/or non-motoring convictions are likely to push up the price of your premium.


Pay annually

Avoid the cost of interest by paying for your premium in one annual payment, if cashflow allows.


No claims bonus

Building up a no-claims bonus, much like a standard car insurance policy, will reward your business with cheaper cover.

Types of road risk mechanic’s insurance cover

There are three basic levels of cover for mechanics. Cover can also be customised with several additional extras:

Third Party Only. This is the most basic form of protection, covering damage to third parties on public property or public roads. The policy provides cover for any public property damaged in an accident but not to the customer vehicle itself.

Third Party, Fire and Theft – This policy covers fire damage or theft to any customer vehicle in the Mechanic’s possession and third party protection.

Comprehensive – This is the most inclusive cover, protecting the customer’s and the business’s vehicles.

Compare mechanics insurance with Quote Goat

Quote Goat has been operating since 2014 and in that time we have helped thousands of businesses in the motor trade industry compare and purchase insurance. Our no-obligation service makes it easy for businesses to save money by comparing prices from a panel of industry-leading insurance providers.

To get a quote, all you need are a few details about you, your business, your employees and your trading experience, so why not complete our quote form today?

Mechanic insurance FAQs

I’m a part-time mechanic, can you help?

Policies for part-time mechanics are readily available and can lead to a cost-saving compared to full-time mechanics given the reduced level of risk presented by a business that operates less frequently.

Do I need industry experience to be insured?

Although experienced mechanics will typically see lower premium costs, some insurance providers are able to quote for businesses just starting out in the industry

I’m under 25, can I be insured?

Some insurance providers stipulate a minimum age for policy holders, however, other providers may be able to provide a quote for younger mechanics.

Can insurance be arranged for mobile mechanics?

Yes. Mobile mechanics have different needs to businesses that operate solely from a premises and this can be arranged with the insurance provider(s) that you speak to.

Author Image - Michael Foote

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.