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01708 608233
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Different customers will come to your garage with different requirements every day. Some will need a MOT, some will need their annual service, others will want tyres changed or diagnostics run to establish a fault.
Mechanical businesses often have specialist equipment such as ramps, lifts, hoists, MOT bays, hand tools and diagnostic equipment. We understand that your business will vary, and you need insurance to cover the work you are requested to do by your customers. We will help you ensure you have the right level of cover to suit your needs and protect your business, you and your customers
What your mechanics insurance can include cover for:
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Road risk
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Service indemnity
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Plant and machinery
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Loss of MOT licence
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Public and employer’s liability
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Hand tools and diagnostics
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Road risk
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Service indemnity
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Plant and machinery
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Loss of MOT licence
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Public and employer’s liability
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Hand tools and diagnostics
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Buildings and contents
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Open employee driving
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Engineering inspection
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Courtesy vehicles
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Legal expenses
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Business interruption
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Buildings and contents
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Open employee driving
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Engineering inspection
-
Courtesy vehicles
-
Legal expenses
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Business interruption
What cover do I need?
Our policies cover a wide range of vehicles
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You’ll need cover allowing you to collect and deliver customers cars and also road test them after a repair. You can also add your own vehicles on the policy so if you are mobile and need to go out and visit a customer to do a repair, you will be covered to do so. Our policies cover a wide range of vehicles including cars, commercials, motorcycles and classics. We understand that your policy needs to be flexible to allow you to work on whatever vehicle your customer asks you to and our specialist insurers will provide you cover to do this.

We can cover your customer’s vehicles
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If you work from a business premises there are various types of cover available. We can cover your customer’s vehicles on the premises against fire, theft, vandalism, and other issues causing you a financial loss. We can extend the policy to allow you to give your customer a courtesy vehicle should they require one, giving you an opportunity to win the job against your competitors. The policy can also extend to any employee driving for business use. We provide cover for public and employers liability insurance protecting the business against any claims made and we can include cover for your garage, tools, machinery, and loss of gross profit cover, known as business interruption.