Insurance For Mechanics

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The mechanic industry is an important sector that requires customers to place one of their most expensive possessions – their vehicle – in the hands of a mechanic.

Mechanic’s insurance protects all vehicles, tools, machinery, contents and even buildings in the event of any loss or damage. Mechanics insurance also covers mechanics to drive customer vehicles for testing and diagnosis purposes.

For such specific requirements, mechanics require a specialised form of insurance. Ordinary motor trade insurance policies, such as combined motor trade or road risk insurance, may not cover everything a mechanic needs, so tailor-made mechanics insurance is available.

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.

Types of 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.

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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.