Insurance for Motor Trade Mechanics
Mechanic insurance is an essential requirement for all technicians working in the motor trade industry. Whether you have a mechanic’s business that works on cars or commercial vehicles, or a combination of the two, a motor trade mechanic insurance policy is crucial. Acorn’s bespoke auto mechanic insurance covers those working from established premises or homes, as well as providing provision for individuals needing mobile mechanic cover.
Do I Need Mechanic Insurance?
If you are in any way involved in the repair and servicing of cars or commercial vehicles for business purposes, you should consider specialist mechanic insurance. You may choose to have this cover in place if you are a professional auto mechanic and are working within a motor trade organisation. It is also worth considering for any individual who is carrying out mechanical maintenance in an expert capacity. As a mechanic, you will encounter day-to-day risk when working, so you will need to have the right kind of cover in place to protect you, especially when carrying out actual mechanical repair work on customers’ vehicles.
For a motor trade business, insurance that is specifically designed for auto-mechanics is a must. This covers both the individual mechanic, as well as the business. Acorn’s mechanic cover inspires total peace of mind when customers’ vehicles need attention from a serviceman.
What is Covered by Our Mechanic Insurance Policy?
If a customer’s vehicle is lost or suffers accidental damage whilst in your care, a Motor Trade policy from Acorn will make sure you are correctly covered. Similarly, if you were to move a customer’s vehicle that was under your care during maintenance, it is essential that you have mechanic’s insurance in place.
Mechanical Insurance Extras
Depending on the type of mechanic’s business you operate, you may have a requirement for additional cover. We can tailor a policy around your personal requirements and you can add the following cover to your mechanic’s policy:
- Premises Cover – A motor trade policy as standard only covers you for when the vehicles are on the road away from your home or premises (it’s Road Risk only). If you wish to cover both your vehicles and your customers’ when they are parked at your premises, for risks such as theft and damage, then additional cover is available.
- Public Liability Cover – Public liability protects motor traders from any claims arising as a direct result of their negligence. For instance, it would be considered negligence if a customer were to fall over a tool which had been left on the floor during vehicle maintenance. This kind of incident can leave you at risk of being sued by the customer. Public liability insurance will protect both you and your business in the event of a negligence claim.
- Employer’s Liability – If you have any employees working for you, it is mandatory to have employer’s liability insurance, this covers you against financial loss if an employee were to experience a work-related injury or illness. This addition Insures employers against financial loss, if an employee were to experience a work-related injury or illness.
Whatever type of mechanic’s business you operate, we pride ourselves on working with each individual and providing the most beneficial policy for you. Give Acorn Insurance a call today to see how we could help you with your motor trade business: 01704 33 99 28.
Your Mechanical Repairer Insurance Policy
When carrying out repairs, service and maintenance for customers’ vehicles, a motor trader needs mechanic business insurance in order to ensure that they are specifically covered for any problems that may arise. These could be issues for which they are potentially liable.
Acorn Insurance will create a specialist mechanics policy that is unique for your needs and offers the best possible cover for the business or individual. We also insure mechanics who work from home.