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Mechanic Insurance

Keep your business moving with Mechanic Insurance built around the way you work. It covers you, your tools, your premises, and the vehicles you work on – whether you're mobile or garage-based. With protection for liability, road risks, and theft, you're covered where it counts most.

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What is Mechanic Insurance?

Also known as Mechanic Business Insurance, this cover is designed to protect you as a motor mechanic, your tools, the place you work from, the cars you’re fixing, and the people around you.

With Car Mechanic Insurance, you can get on with the job knowing that if there was an incident – from tools being taken to a flood in your garage – you have the cover to bounce back quickly.

What does Mechanic Insurance cover?

Road Runner’s cover can include:

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

Road Risks
We strongly recommend up to comprehensive levels of Road Risks cover – for when you and your team is on the move.

Protection for your premises
Cover for your commercial premises with buildings – such as a garage or workshop – up to £100,000. This could (and should) include liability cover and a range of extra options to protect you and your mechanic business.

Liability insurance
Peace of mind with the benefit of protection from accidents and third-party claims, whether these are real are false.

Vehicles in transit
Collecting and returning vehicles? Extend your cover so every vehicle is protected while in transit.

Goods, plant, machinery, stock, and portable hand tools
Arrange up to £25K fixed contents and tools cover. Includes tools stored in your work van and diagnostic computers and equipment – with no single article limit. Stock covered up to £1,000.

Cover for defective workmanship
Protection against damage caused by poor repairs when you take out Products Liability cover.

Business interruption cover
Compensation for lost income if your business is disrupted due to an insured event, such as a flood in your garage that brings business to a temporary halt

No Claims Bonus protection
You’ve worked hard to build it up and avoid incident, so 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.)

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Why choose Road Runner for Mechanic’s Insurance?

Partners to the motor trade:

We’ve been side-by-side with every part of the motor trade for almost three decades, so we understand the ins and outs of insurance for mechanics. Our reputation is built on trust, great relationships, and serving up the insurance solutions that are right for you and your motor trade business.

We know our dipsticks from our disc brakes:

There’s no such thing as a one-size-fits-all policy with us – which is why we offer something as specialist as motor mechanic cover. We provide robust cover the whole time that a vehicle’s under your care – protecting you, your business, the cars, and your premises from risk.

We help you keep the motor running:

You’re here to fix, service, and maintain cars; we’re here to protect both them and your premises. We know all the cover options and interpreting insurance policies comes naturally to us. But don’t just take our word for it – read our Feefo reviews for an idea of what our customers think about us.

More about our Mechanic Insurance

Who needs Mechanic Insurance?

You need this cover if you’re a motor mechanic or operate a garage where motor mechanics work. It’s vital that you, your equipment, the cars you’re working on, and the people around you are covered if there’s an incident and you need to make a claim.

Mechanic’s Insurance is suitable for both those that work on vehicles from premises and for those who go out to fix or service vehicles at a customer’s location. Whatever the job and whatever the car issue, you’ll need a policy that protects you wherever you and your equipment is situated.

A person in blue overalls hands car keys to another person in a plaid shirt at an indoor auto setting.

Is Mechanic Insurance a legal requirement?

Some elements of Mechanic Insurance are required by law. These include Employers’ Liability Cover if your business employs people and Road Risks Insurance if you drive on public roads.

Other elements of the cover are usually strongly suggested, but not normally legally required. This includes liability cover, tool cover, machinery cover, or cover for your buildings and contents.

Having a robust insurance policy is essential to the smooth-running of your business.

Without adequate cover, if your tools go missing, a car in your care is damaged, or there’s a problem in your workshop, your business might suffer. It can cost you money, and it may even affect your reputation – so putting the correct cover in place goes far beyond a legal obligation.

Close-up of a person’s hand working on a car engine with tools and hoses attached to engine components.

What is Mechanic Public Liability Insurance?

Mechanic Public Liability Insurance offers protection against third-party claims following accidental injuries or property damage. This cover is often regarded one of the most critical for those operating in the motor trade industry.

If a claim is made against your business, Public Liability Insurance for mechanics helps you fund any legal fees or compensations costs that you might be liable for.

You might need this cover if:

You damage a customer’s car whilst working on it
A member of the public trips over one of your tools or pieces of machinery
A false claim is made

Mechanic Public Liability Insurance is usually your best defence against this type of risk. Without it, you’d personally need to cover the cost of claims, potentially placing a huge financial burden on your business.

Can I get Mechanic Insurance if I don’t have premises?

Yes, you can get Mechanic Insurance without premises. Road Runner has vast experience designing policies for mechanics who work at a customer’s address and who offer roadside repair services. And if your status changes and you do commence work from a garage or permanent workshop, we can help change that element of your policy to reflect this change to your premises.

Our Criteria

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

You and all drivers are aged 23 and upwards.
You’re 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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Mechanic Insurance FAQs

How much does Mechanic Insurance cost?

Mechanic Insurance costs are different for every motor trade customer. It completely depends on your needs. Our personal approach means we look at individual requirements before entering into any discussions or negotiations with possible vendors. At Road Runner, we’ll always endeavour to offer you the most comprehensive, suitable cover at a competitive.

What things might a mechanic need to claim for?

A mechanic may need to claim for a range of incidents that affect their work, tools, or business operations. These can include:

Lost, stolen, or damaged tools – important items that are costly to replace and vital for daily tasks.
Equipment and machinery – regardless of the type of equipment, breakdowns can halt your work.
The vehicles – anything you’re driving, working on, or transporting.
Issues with your premises – such as fire, flood, or vandalism affecting your workshop or garage.
Liability if someone is injured – covering accidents involving customers, suppliers, or employees.
Claims relating to defective workmanship – protection if a repair or service leads to issues.

Are mechanics insured to drive any car?

With Car Mechanic Insurance, you can arrange cover to drive and transport customer’s cars as well as your business vehicles, such as vans.

However, your personal vehicles will not be part of the policy. It’s important to discuss this with your insurance broker.

Can I get Mobile Mechanic Insurance?

Yes, we offer cover for mechanics that work from a variety of locations such as:

Mobile mechanics that work on the road or from a customer’s location
Mechanics that work from a premises

Mobile Mechanic Insurance protects you, your tools, and your vehicle while you’re on the road. You can also arrange liability insurance and premises cover – so you’re equally protected when back at your base.

Can I get self-employed Mechanic Insurance?

Yes, self-employed cover can be arranged. Whether you’re a sole trader or operating and employing a larger team, at Road Runner, we can sort a policy to protect you and your business.

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

Vehicle Repairs and Servicing Insurance

Get the right insurance for your car repairs or servicing business, whether working from home or a garage, full-time or part-time.

Bodyshop and Crash Repairs Insurance

If you specialise in ironing out the dents and smashes from crashes, Bodyshop Insurance is the specialists motor trade policy for you.

Mechanic Tool Insurance

Your tools and equipment are your livelihood, so make sure they’re protected from damage and theft with specialist Mechanic Tool Insurance.

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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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.