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Auto Electrician Liability Insurance

Specialist auto electricians are more in demand than ever. Electronic systems in vehicles are constantly evolving – steadily becoming more sophisticated with every new model out there – but vehicles of any age need electronics expertise.

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What is Auto Electrician Insurance?

Auto Electrician Insurance is specialist cover that protects tools, equipment, cars, liability and premises. The tools and technology that an auto-electrician uses are essential to getting the job done well. So, making sure these are covered and swiftly replaced in case of theft, damage, or accidental loss is a key priority.

What does Auto Electrician Insurance cover?

Road Runner’s cover can include:

Cover for vehicles in your care
Protection for the vehicles in your care. This can include customers’ vehicles being kept at your commercial premises under our ‘Vehicles at Business Premises’ extension.

Road Risks
Comprehensive levels of Road Risks cover – for when your team is on the road.

Protection for your premises
Cover for your commercial premises or workshop, with buildings cover up to £100,000. This could include Auto Electrician Liability Insurance and a range of extra options to protect you and your business.

Auto Electrician Public Liability Insurance
Peace of mind with the benefit of protection from third-party claims, whether these are real or false.

Vehicles in transit
Collecting and returning customer vehicles? Extend your cover so every car or van is protected while in transit.

Goods, plant, machinery, stock, and portable hand tools
Up to £25k fixed contents and tools cover. Includes tools stored in your work van and diagnostic computers. There’s no single article limit. Stock is covered up to £1,000.

Cover for defective workmanship
Protection against damage caused by poor repairs, with Products Liability Insurance.

Business Interruption cover
Compensation for lost income if your business is disrupted due to an insured event. For example, a flood at your premises or theft of tools that means a delay in getting the job completed.

No Claims Bonus protection
Extend your cover to keep your No Claims Bonus in the event of a claim where insurers can’t recover their losses. (Terms apply – see your policy booklet or summary of cover.)

Your partner in protection

We’ve been riding shotgun with the motor trade for over 25 years – so we know all the cover options available to you. Get in touch to see if we can secure a better deal than the one you’re on now. Don’t worry, there’s no obligation if it’s not for you.

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Why choose Road Runner?

We’re with you every step of the way (and twist of the precision pick)

Over 25 years of experience

We’ve worked in partnership with the motor trade industry for over 25 years, which means we’re the right people to secure the right cover for your auto-electrical enterprise.

We’re motor trade insurance specialists

We know our test lights from our power probes, the difference between a crimping tool and a cable cutter, and we understand how to diagnose your diagnostic issues if a multimeter goes MIA.

You’ll never get a one-size-fits-all insurance solution.

We make it personal

We won’t just get in touch near renewal time.

We get to know you and your business, appreciating the specific risks and challenges involved with the auto-electrical trade, so we secure the most suitable solution for you.

Contact us today to see if we can get you a better deal than you’re on now. Don’t worry, there’s no obligation if it’s not for you.

More about our Auto Electrician Motor Trade Insurance

Is Auto Electrician Insurance required legally?

Certain aspects of Auto Electricians’ Insurance are a legal requirement. You’ll need Road Risks cover if you have vehicles on the road. And you’ll need Employers’ Liability cover if you employ staff.

While other covers may be optional, it’s always best to consider them against the risks of not having them in place. At Road Runner, we can talk you through your requirements and build you a policy that includes all the legally required covers, plus the covers that are usually highly recommended to protect you and your business.

A mechanic in a blue uniform installs a tire on the front wheel of a partially disassembled car in a workshop.

Who needs Auto Electrician Insurance?

Otherwise called Car Electrician Insurance, you need this cover if you’re an auto electrician working in the motor trade business.

At Road Runner, we drill down to what tools and equipment keep your engine running, to fully understand your business. That means you only get a quote for the insurance cover you need.

Close-up view of intricate machinery with springs, wires, and a central dial labeled

Aside from protecting your equipment, this insurance can cover your work premises – whether you have a workshop or work from a customer’s location. Plus, comprehensive road risks, covering vehicles in transit (which you’ll require if physically moving a customer’s car or van). And of course, we offer Auto Electrician Public Liability Insurance, protecting you and your team from third-party claims – an example of which is poor workmanship.

Finally, for an extra but essential premium and level of protection, you can keep and protect the number of years of No Claims Bonus you’ve earned – a vital ‘win’ if there’s a claim made and insurers cannot recover their losses. (Terms apply – see your policy booklet or summary of cover for more details.)

How much does Auto Electrician Insurance cost?

Auto Electrician Insurance costs vary between customers, the size of the enterprise, and what type of premises or workshop serves as a base for your business.

Our personal approach means we look at each individual customer and consider their needs before delivering a quote. We’re proud to work with AXA for this cover, and they’re an A-rated insurer. We’ll always endeavour to offer you the most comprehensive, suitable cover at an agreed price.

Our Criteria

You must be able to agree with the below criteria for us to provide a quote:

You and all drivers are aged 23 and upwards.
You are actively operating a motor trade business for profit or income.
You and all drivers have not been disqualified from driving nor been convicted of driving with no insurance.
You and all drivers have no criminal convictions not spent under the Rehabilitation of Offenders Act nor any criminal convictions pending.
You, any partners, directors, employees or drivers have never had a policy cancelled, declined, been refused renewal nor had any special terms or premium imposed.

full list of criteria

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Your Motor Trade Insurance team

We’re proud to present a specialist team who’ll not just provide you with insurance policy options, but also get to know you and your business. So, let’s introduce:

Spanners

Branch Manager

Louise Velez

Divisonal Director

Lee Dicks

Sales Manager

Fidoo Etwaroo

Renewals Manager

Find out more

Our other products

SMART Repair Insurance

SMART (small to medium area repair technology) Repair Insurance is the clever cover for those motor mechanics who’ve moved into advanced motor fixing technology.

Vehicle Repairs and Servicing Insurance

If your bread and butter trade is vehicle repairs or servicing, whether from home or a garage, full-time or part-time, learn more about Vehicle Repairs and Servicing Insurance.

Bodyshop and Crash Repairs Insurance

For those working on big bangs and noticeable cracks and crunches, Bodyshop and Crash Repair Insurance is what your business needs.

ROAD RISKS

Whether you take the wheel of your customers’ vehicles or drive your own as part of your day-to-day business, Road Risks cover is for you. And that’s exactly what we offer.

LIABILITY INSURANCE

If you have people working for you or have customers regularly visiting your site, you’ll need to think about Liability Insurance. We’re here to help keep you covered.

PREMISES INSURANCE

If you work from a premises, you’ll likely have spent a lot on your tools, equipment or vehicle stock – and the last thing you want is any loss or damage. That’s where Premises Insurance can help.

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Specialists in Motor Trade Insurance

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Road Runner is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.