What is Mobile Mechanic Insurance?
Mobile mechanic insurance is a type of insurance designed specifically for mechanics who operate from a mobile workshop, rather than a fixed garage or workshop. It provides cover for risks that mobile mechanics face while working on vehicles away from a traditional garage setting.
Insurance for mobile mechanics can cover all the things a typical traders insurance policy will. This includes cover such as public liability insurance, cover to driver customers vehicles as well as professional indemnity. It’s essentially the same as mechanics insurance but takes into consideration the fact that you are mobile.
Having insurance is important because it can protect you from financial losses and legal claims in the event of accidents, injuries or damages that may occur while working on vehicles.
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What Does Mobile Mechanic Insurance Cover?
There are various levels of cover when it comes to your mobile mechanics insurance policy. As you won’t be insuring a garage location, your policy will full under a road risks insurance policy.
Road risks cover can insure against fire and theft, covers you to drive customers vehicles, public liability and work carried out.
Here are some of the key types of coverage that mobile mechanic insurance may include.
What Types Of Vehicles Are Covered By Mobile Mechanic Insurance?
Mobile mechanic insurance can cover a range of vehicles, depending on the policy and level of coverage you choose. It will though typically always protect you to drive customers vehicles. This though is often subject to some stipulations such as a cap on vehicle value.
- Cars: Mobile mechanics may work on cars of all makes and models, from classic cars to modern sports cars.
- Vans: If you specialise in working on commercial vehicles, such as commercial vans, you can get mobile mechanic insurance to cover them.
- Motorcycles: If you are a mobile motorcycle mechanic, you can get coverage for the motorcycles you work on.
- Boats: Mobile mechanics who specialise in boat repair can also get coverage for the boats they work on.
- Motorhomes and campervans: If you work on recreational vehicles, such as motorhomes or campers, you can get insurance to cover these as well.
It’s important to carefully review the terms and conditions of any insurance quote to understand exactly what types of vehicles are covered and what is excluded. An insurance professional can help you assess your risks and choose the right type and level of coverage for your business.
How Much Does Mobile Mechanic Insurance Cost?
The cost of insurance can vary depending on the level of cover you want.
As a rough guide, the cost of mobile mechanic insurance in the UK may range from a few hundred to a few thousand pounds per year, depending on your needs and circumstances. For example, liability only cover may cost less than comprehensive coverage that includes protection for your tools and equipment. Combined motor trade insurance will cost a lot more given the need to insure the premises (which is unlikely for a mobile mechanic).
To get an accurate idea of how much mobile mechanic insurance would cost for your business, it’s best to compare quotes that you can get from a specialist insurance broker.
What Are The Risks Of Not Having Mobile Mechanic Insurance?
Not having insurance can expose you and your business to a range of risks and potentially financial loss.
- Liability: Without motor trade liability insurance you could be held personally responsible for any damage or injuries caused by your work. This could result in expensive legal fees, damages and compensation payments.
- Property damage: If you accidentally damage a customer’s vehicle or equipment, you could be liable for the cost of repairs or replacement.
- Theft: If your tools and equipment are stolen, you could be faced with the cost of replacing them as well as the cost of any work that you’re unable to complete without them.
- Business interruption: If your vehicle or tools are damaged or stolen, you may be unable to work until they are replaced or repaired which could result in lost income and damage to your reputation.
- Legal compliance: In some cases you may be legally required to have a mobile mechanic insurance policy to operate your business.
Having an insurance policy can help protect you and your business against these risks giving you peace of mind and allowing you to focus on your work.
Do I Need Mobile Mechanic Insurance?
If you are a mobile mechanic operating in the UK, you may need insurance to protect yourself and your business. If you will be driving customers vehicles, then it is actually a legal requirement.
Here are some reasons why you might need mobile mechanic insurance:
- Protection against liability: As a mobile mechanic, you may be liable for damage to customer’s vehicles or third-party property while performing your work. Mobile mechanic insurance can help protect you against claims made against you for damage or injuries caused by your work.
- Protection for your tools and equipment: As a mobile mechanic, you rely on your tools and equipment to do your job. Mobile mechanic insurance can help cover the cost of replacing or repairing tools and equipment that are lost or stolen.
- Legal requirements: Some types of mobile mechanic insurance, such as liability insurance, may be legally required for you to operate your business in the UK.
- Peace of mind: Knowing that you are protected against potential risks can give you peace of mind and allow you to focus on your work without worrying about the consequences of accidents, injuries, or damages.
