What is mobile mechanics insurance?
Mobile Mechanics Insurance is a policy designed for those that repair cars on the road at clients homes.
It is a motor trade insurance policy that can be tailored to cover the driving of customer vehicles, tools and equipment whilst out and about as well as the crucial element of Public Liability Insurance to protect you against working within public areas.
A mobile mechanics policy typically falls within a road risks insurance policy as typically, it does not require the need for covering a premises. Combined policies that do cover a premises are also available though.
How does mobile insurance differ from standard mechanics insurance?
First off and maybe the most obvious difference, you will be operating from a van or vehicle of some kind.
This means that tools etc are maybe not as secure as if they were locked in a premises. Secondly, you will be working on the road and at clients homes which, if you have been working as a mobile mechanic for a while, you will know conditions can be less than ideal. As such, a thorough public liability policy is essential.
What can my policy cover?
Your policy will be completely tailorable to your needs. Every motor trade business is different, as such, the insurance policy to protect it should be as well.
The brokers we work with will be able to offer you a wide range of policy features that will cover you for being ‘just on the road’ or both road and static based.
Like all policies, the level or types of cover you will be able to choose from are Third Party Insurance, Third Party Fire & Theft or Comprehensive cover.
Policy features can include (but not limited to).
- Cover for Full or Part Time Mechanics
- Tools & Portable Tool Cover
- Cover to drive vehicles
- Cover for your own vehicle
- Building & Contents cover
- Public liability
- Employers liability (legal requirement if you employ people)
- Split indemnity
- Protected No Claims Bonus
- Multiple Drivers
- Convictions coverable
It is essential that your traders insurance covers everything that you need protecting as failing to do so can leave you greatly out of pocket should your vehicle be stolen for instance.
Cheap mobile mechanics insurance
If you are an experienced car mechanic and spent time building up your no claims bonus, your chance of getting a cheap mobile mechanic insurance insurance policy increases greatly.
If you don’t have this though, don’t panic to much, here are some tips on what you can do to help save on your policy.
Secure your van. By increasing the security of your vehicle with things such as additional locks, additional alarms, secure storage boxes of locked CCTV monitored compounds, you greatly increase your van’s integrity when left unattended.
Pay Annually. By paying annually, you will typically be eligible for annual policy discounts.
Avoid Claiming. Although policies are there to claim on if required. ultimately in the long wrong, claiming when you could have got by with not claiming will save you money. This will enable you to build up a no claims discount and more brokers will be interested in offering you a policy at more competitive rates.
How can I get a policy?
Getting a policy is simple. Assuming you are an actual mobile mechanic that is over the age of 23, all you have to do is apply online using our quote form. One of our agents will check out your requirements and start matching you with competitive brokers who offer the cheapest prices.
It don’t matter if you are a full or part time motor trader needing a full comprehensive policy or part time traders insurance, our team of agents and specialist brokers will be able to help you out.
Why use us at Total Insurance?
We employ a team of knowledgable advisors who have years of experience in finding the right insurance broker for you. We help thousands of traders find themselves competitive policies offering complete and tailored cover each month.
We can help cover all types of Mobile Mechanic trading in any way shape or style.
The insurance broker we place you with will be registered in England and authorised and regulated but the financial conduct authority so you can rest assured with peace of mind that you are in safe hands.