Mechanics Insurance
The mechanic insurance that covers you for everything you need like customer vehicles, driving customers cars and faulty workmanship. Speak to the team today to tailor your cover to what you need.
Mechanic insurance that has you covered
Mechanics require a number of different policies to ensure that they are covered for all aspects of their business.
You may not know that things like cover for customer vehicles, driving extensions and faulty workmanship are not always automatically included in mechanic insurance policies.
Speak to a professional about your mechanic business insurance
Simple, competitive and straight forward insurance for mechanics.
What insurance do mechanics need?
Public liability insurance will usually be the first policy needed for mobile mechanics, auto-electricians, motor mechanics and any other mechanical repair occupations.
Your policy for mechanics should include cover for customers vehicles, especially while being driven by you.
Another extension that we usually have included on a mechanics liability insurance is faulty workmanship. This is where it can get tricky when comparing insurance for mechanics as these are not standard conditions and are often excluded in return for a cheaper premium.
Mechanic business insurance is cover for your workshop or commercial premises. This policy will generally cover you for stock, the fit-out of your workshop, lifts and hoists.
Generally speaking, business insurance is usually only taken out by mechanics that work from a physical location. If you are a mobile mechanic then we can put cover in place to cover things like your tools Australia-wide.
When taking out mechanic insurance a lot of mechanics forget to consider a professional indemnity policy as they don’t think it’s required for their business.
While most mechanics don’t need professional indemnity insurance, some mechanics do. The mechanics that require a professional indemnity insurance are ones that are doing roadworthy certifications, pre-purchase inspections and any other inspections or certifications.
Some mechanics liability insurance will offer a PI extension however, a stand alone policy will provide you significantly more cover.
Although cover for customer’s vehicles is usually an extension to a mechanics liability insurance it is extremely important to have this included. Not all policies have customer vehicles included and this can cause a significant loss to your business if something went wrong.
There are 2 options available when insuring customers vehicles. Full comprehensive cover and your legal liability for customers vehicles.
Your legal liability will only usually cover damages to a customers vehicle that you are liable for. For example, moving one customers vehicles and damaging another. Your liability only cover wouldn’t cover things like storm and hail damage. Storm and hail damage would be covered under the comprehensive cover.
Speak to someone who knows mechanics insurance to ensure you are covered for what you need.
How can we help you?
We keep our processes quick, simple and affordable. If you want a quick quote straight away and don’t want the hold music, give us a call.
Would highly recommend, helped me organise my business insurance, was very knowledgeable and quick to answer all questions.
Jacqui
MB Caravan Gas
Got me the cover for my business, for about the same price as my current broker, but with the exception of the cover I needed. Much better value for money.
Paul
Team Penguin Plumbing
Reasonably priced and always available.
Jason
Yeti Services
Why choose us to manage your mechanics insurance policies?
When we say we only work with tradies we don’t just mean construction trades, we work with all trades.
Although we work with a lot of different trade occupations we make sure that we are providing our customers with not only the best advice but also the best cover for their business. We focus on providing our tradies with:
- Comprehensive cover for your industry
- Professional advice from specialist trade insurance brokers
- Competitively priced cover option
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