What Does a Mechanics Insurance Policy Include?
Each business is different, but most mechanics choose a mix of the following cover:
Road Risks
Required if you drive customer cars
Public Liability
Covers injuries or damage to third parties
Employer’s Liability
Legally required if you hire staff
Tools and Equipment Cover
Protects your tools from theft or damage
Garage Premises Cover
Cover for fire, flood, or break-ins at your premises
Who Needs Mechanics Insurance?
If you run a business repairing, servicing, or modifying vehicles, you need insurance. Whether you’re a mobile mechanic, work from home, or own a full-service garage, having the right cover in place protects your tools, your customers’ vehicles, and your income.
This includes:
- Mobile mechanics
- MOT centres
- Performance tuning specialists
- Vehicle diagnostic technicians
- Part-time or sole trader mechanics
- Large repair garages with multiple employees
How Much Does Mechanics Insurance Cost?
The price depends on your business setup. Factors include:
- Whether you need road risk cover
- Your claims history
- Where your business operates
- The value of tools or premises you want to insure
The easiest way to get an accurate cost is to request quotes through our form, no pressure to proceed.
Tips to Lower the Cost of Mechanics Insurance
1
Only include essential cover
Don’t pay for extras you don’t need
2
Be selective with staff
Younger drivers or those with convictions increase premiums
3
Pay annually if possible
Monthly payments often include interest
4
Build a no-claims history
Going claim-free can lead to discounts in future renewals
Road Risk Cover Types Explained
If you need to drive customer vehicles, choose one of the following:
- Third Party Only – Legal minimum; covers third-party damage only
- Third Party, Fire & Theft – Adds protection against fire or theft
- Comprehensive – Full cover including damage to customer vehicles in your care
Why Use Quote Goat to Compare Mechanic Insurance?
Quote Goat makes comparing mechanics insurance quick and stress-free. Since 2014, thousands of businesses have used our platform to save time and money. We connect you with expert insurers who specialise in motor trade policies, so you get the cover you need without overpaying.
Complete the form now and compare quotes tailored to your mechanic business.
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?
Absolutely. Many providers offer flexible policies for mobile mechanics. Whether you’re operating from a van or travelling to customer locations, you can tailor your policy to include road risks, tools in transit, and public liability.
Do I need mechanics insurance if I work from home?
Yes. If you carry out work on customer vehicles, even from a home garage, you still need suitable insurance. Road risk cover is essential if you’re driving customer vehicles, and public liability insurance can protect you if someone is injured on your premises.
What level of road risk cover is right for me?
It depends on how you operate. If you’re just moving vehicles short distances, Third Party Only may be enough. But if you’re test-driving customer vehicles or working on more valuable cars, Comprehensive cover is usually the safer choice. When you compare quotes, insurers will help guide you.
