Mobile Mechanic Insurance
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Quotes are provided by a panel of specialist motor trade insurance brokers. All providers are FCA regulated.
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Guide to Mobile Mechanic Business Insurance
Mobile mechanics is different from a traditional garage mechanic because you provide a range of services at the customer’s house or if there is a breakdown on the shoulder of the road. The mechanic most likely also offers a towing service if unable to fix the vehicle in less than an hour. The types of service provided include start up, breakdown and recovery, battery charging and roadside assistance. In the garage, you can offer extra services such as regular servicing. For this very reason, motor trade insurance for mobile mechanics has evolved that lets you pick and match a range of insurance cover types.
What Is Mobile Mechanic Insurance?
The mobile mechanic insurance policy is designed for people who do not buy and sell vehicles and therefore do not need a policy that covers a multitude of different cars you may happen to own over the course of the year. By obtaining a mobile mechanic insurance policy, you will be provided with cover for driving a customer’s vehicle on the road for testing and diagnosing. This element is known as motor trade road risk insurance and is a core part of any mobile mechanic policy.
Fire & Natural Events Cover
Protection against loss or damage to your business contents, equipment, tools, stock and building in case of an explosion, fire, earthquake, impact of falling trees, storm damage or malicious damage.
Theft Cover
Cover for losses brought about by thieves breaking into your premises and stealing your tools, equipment, contents or stock.
Public Liability
Protection if a third party makes a claim against you or your services. This will cover the legal fees and any settlement costs.
Road Risk Insurance
Cover for driving a customer’s vehicle on the road for testing and diagnosing. An essential element of any mobile mechanic policy.
Tools & Equipment Cover
Cover for your tools and equipment — one of the most important assets for any mobile mechanic operating on the road.
Employer’s Liability
If you have employees, you will also legally need employer’s liability insurance. This can be included as part of your motor trade policy.
How Much Will Mobile Mechanic Insurance Cost?
The cost of mobile mechanic insurance will be determined by a number of factors that determine how much risk you pose to the insurance company. You can in some cases take positive steps that will reduce your risk and as a result be offered a cheaper quote for mobile mechanics insurance. Other factors, for example the risk posed by your age, cannot be reduced until you build up a good no claims record.
An insurance company will take some or all of the following into account when calculating the cost of motor trade insurance for mobile mechanics:
Age
Your age plays a significant role in determining your insurance premiums. Young drivers under the age of 25 often face higher insurance costs compared to drivers with more experience and fewer claims.
Claims History
If you make lots of claims, expect to pay more for insurance. A clean claims history will help keep your premiums down over time.
Security
If you are intending to add cover for your tools and equipment, storing these in a secure garage overnight or when not in use — rather than in the van — can help reduce your premium.
Level of Cover
Traditionally third party was the cheapest option, but insurance companies have realised that those who take out third party cover tend to be higher risk — so this may not always be the cheapest option.
Full or Part Time
If you are only providing your service on a part-time basis as a second earner, let the insurance company know — you may be eligible for part-time motor trade insurance that could help reduce costs.
Steps to Lowering the Cost of Mobile Mechanic Insurance
Pay Annually
If you can afford it, it normally is cheaper to pay for insurance in one lump sum payment as opposed to monthly payments.
Claims History
If you make lots of claims, expect to pay more for insurance. Protecting your no-claims record where possible will help keep costs down.
Boost Security
Boost security with CCTV, immobilisers and dashcams. These measures will help safeguard your work vehicle from theft and malicious damage — and a dashcam provides valuable evidence in any accident.
Don’t Over-Insure
Skip cover options that you will not need. For example, do you really need breakdown cover given that you are a mechanic?
Mobile Mechanic Insurance FAQs
If I Only Work Part-Time — Do I Need Insurance?
If you are operating as a business and not a hobby, you will need proper cover to protect yourself and your business against third party claims. If you only work part time, ask the insurance company if they can provide a pay-as-you-work type policy.
Will My Personal Car Be Covered By Mobile Mechanic Insurance?
Most insurance providers of motor traders’ insurance will allow you to include your own privately owned vehicles in addition to your work van or other vehicles you own as part of your business, such as a recovery truck.
If I Have Road Risk Cover, Can I Drive Any Car and Be Covered?
The idea of road risk insurance is to let the policyholder drive cars that do not belong to them — for example, to test drive a customer’s car or motorbike. This does not extend to any car; you could not drive your friend’s car using the policy. Another common class of vehicles that are excluded are supercars. You can get motor trade insurance that will let you work on supercars, but you need to speak with your insurance company, get permission and pay a higher premium.
What Is Trade Plate Insurance?
Trade plate insurance enables you to place trade plates on an uninsured vehicle if you wish to move it from A to B on the UK road network. It is an integral part of motor trade business and is normally added as an optional extra to motor trade insurance — without which you would need to tax and register these vehicles before taking them out on public roads.
Can You Get Mobile Mechanic Insurance With Prior Driving Convictions?
Specialist brokers accessible through MultiQuoteTime are able to provide so-called high risk motor trade insurance with convictions, but expect to pay more based on how serious the conviction. A few penalty points over a decent period of time should not be an issue.
Policies Tailored for Your Mobile Mechanics Business Needs
The broker panel understands the needs of a mechanic that works from home fixing cars in their drive or garage, and a mechanic that provides a motorway breakdown service, will have different insurance needs. With this knowledge and experience, you can expect to be offered policy options that meet your exact requirements.
Get Multiple Mobile Mechanic Insurance Quotes Today
Provide a few basic details about your business — your name, address and details of your equipment and tools — and specialist brokers will provide you with individual quotes to compare side by side.
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Mobile Mechanic Insurance by Location
Find specialist mobile mechanic cover for your area
West Bromwich
Mobile mechanic insurance for roadside and home visit mechanics in West Bromwich
Sheffield
Road risk and public liability cover for mobile mechanics in Sheffield
Bristol
Compare mobile mechanic trade cover for Bristol-based breakdown and repair services
Coventry
Insurance for mobile mechanics and roadside repair services in Coventry
Leicester
Specialist cover for mobile mechanics and home visit repairers in Leicester
Nottingham
Mobile mechanic and breakdown trade cover for Nottingham-based operators
Newcastle
Compare roadside repair and mobile mechanic insurance across Newcastle
Cardiff
Mobile mechanic trade cover for Welsh breakdown and repair businesses in Cardiff
Derby
Road risk and tools cover for mobile mechanics and repairers in Derby
Stoke-on-Trent
Mobile mechanic and home visit repair insurance for Stoke-on-Trent operators
Wolverhampton
Insurance for mobile mechanics and roadside repairers in Wolverhampton
