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Mobile Mechanic Insurance

Protect yourself, your vehicle and your tools when driving, with a customer, or parked up for the night. Secure robust cover for your responsibilities as a mobile mechanic.

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What is Mobile Mechanic Insurance?

Mobile Mechanic Insurance is cover designed for those who go out to fix or service vehicles at a customer’s location. Whatever the job, you’ll need a policy that protects you wherever you and your equipment is situated.

A comprehensive mobile mechanic’s insurance policy needs to be as agile and flexible as you are. It should include cover for liability and road risks, as well as cover for tool/machinery theft and more.

What’s covered with Mobile Mechanic Insurance?

It’s important to understand what’s included in your Mobile Mechanics Insurance cover. Road Runner’s policies can include:

Protecting you and your customers’ vehicles

It’s likely that you’ll drive or work with a range of vehicles as a mobile mechanic. So, you’ll need to make sure that you and the vehicles are always covered. Cover can be put in place even if the vehicle is on a tow truck or being stored at your premises or workshop.

Keeping your tools protected at all times

As a mobile mechanic you’re often driving to and from customers with your kit in tow. Keep the tools of your trade safe with protection against damage or theft – both day and night.

Personal and product liability

This is essential to protect you and your enterprise. Mechanic and Public Liability cover protects against compensation and legal fees if a customer or member of the public blames you for an accident – whether a claim is true or false.

Business premises cover

While you’re a mobile mechanic by trade, it’s critical that when back at your workshop or storage facility, you and your work tools enjoy the same level of cover and protection. So if there’s a burglary, you can feel assured the costs of replacement will be met.

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Why Road Runner for Mobile Mechanic Insurance ?

We’re with you every step of the way.

Over 25 years of experience

We’ve been in the industry for over 25 years, so we’re well-placed to help you secure the right cover.

We’re specialists

We know the motor trade inside-out. We know what oils your engine, and we know what grinds your gears. You’ll never get a one-size-fits-all insurance solution.

We make it personal

It’s not just about a quote at renewal time. We get to know you and your business, to secure the most suitable cover solution.

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 Mobile Mechanic Insurance

At Road Runner, we understand the different demands of the motor trade. That’s why we treat mobile traders the same way we do those who work at a fixed site. You all matter, however you operate, and wherever you’re working from.

What else is covered?

As well as the cover features mentioned above, there is a wealth of other cover options including:

  • Mobile mechanic public liability insurance
  • Protection for your goods, plant, machinery, stock and portable hand tools kept in your van
  • Cover for tools left overnight
  • Cover for vehicles in transit. If you collect and return vehicles, you can extend a Comprehensive Road Risks policy to provide the same cover for the vehicles being moved
premises_car_on_trailer

Why do I need Mobile Mechanic Insurance?

You need Mobile Mechanic Insurance to protect you and your business against the risks that come with trading.

It’s a good idea to opt for specialist insurance that includes road risks, liability and premises cover specifically designed for mobile mechanics.

Here are some considerations to keep in mind for your specialist mobile work:

  • You’ll need to insure customers’ vehicles so you can road test them and transport them
  • There’s a risk of being sued by a customer in relation to work you carry out or an accident they may have
  • You need to understand and protect the value of the goods, plant, machinery, stock and portable hand tools you store in your van or recovery vehicle
  • You need to include your own van/vehicle as part of a motor trade road risks insurance policy
Mechanic wearing a plaid shirt and cap, adjusting a car tire on a raised vehicle in an automotive repair shop.

Is Mobile Mechanic Insurance a legal requirement?

Some aspects of Mobile Mechanic Insurance in the UK are required by law. For example, if you drive vehicles, you need to have the minimum level of road risks cover in order to do so. And if you have employees, you will need cover for employers’ liability.

Anything outside of this is not a legal requirement, but usually highly recommended. Your van and equipment are crucial to you and your enterprise – and you’ll want to make sure they’re protected.

At Road Runner, we offer multiple levels of cover that could include Road Risks and Liability policies, with the option to insure your goods, plant, machinery, stock and portable hand tools in your van, too.

We’re with you for every journey and repair job

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 today if you’re looking for insurance for mobile mechanics. Don’t worry, there’s no obligation if it’s not for you.

Car with engine showing

Our Criteria

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

  1. You and all drivers are aged 23 to 69 years old.
  2. You are actively operating a motor trade business for profit or income.
  3. You and all drivers have not been disqualified from driving nor been convicted of driving with no insurance.
  4. You and all drivers have no criminal convictions not spent under the Rehabilitation of Offenders Act nor any criminal convictions pending.
  5. 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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Mobile Mechanic Insurance FAQs

Who needs Mobile Mechanic Insurance?

This cover is for mechanics who drive to various customer sites for work. Whether working full-time or part-time.

Those that need this type of coverage include:

  • Mobile mechanics
  • Mobile HGV mechanics
  • Part-time mobile mechanics or businesses
  • Full-time mobile mechanics or businesses
How much does Mobile Mechanic Insurance cost?

The average cost of Mobile Mechanic Insurance will be different for every customer, depending on your needs.

Our personal approach means we look at individual requirements. Rather than just searching for cheap Mobile Mechanic Insurance, we always endeavour to offer you the most comprehensive, suitable cover at a fair price.

What insurance do I need to be a mobile mechanic?

As a mobile mechanic, you will need two types of cover at the very minimum:

  • Road risks insurance that covers you when driving yours and your customers’ vehicles on the road
  • Employers’ liability insurance if you employ staff

In addition to these essential covers, you’ll likely want to think about other types of cover too. For example,

  • Covering tools, machinery and other stock
  • Protection if someone takes legal action against you in relation to work you’ve carried out
  • Cover for any premises that might be used for business purposes, despite being mobile
  • Cover for products liability
  • Mobile mechanic public liability insurance
  • And more

You’ll need at least basic coverage to protect yourself, your tools, and the vehicles you’re working on – some of which is required by law. However, you can choose the type of Mobile Mechanics Insurance policy that’s best for your business.

Meet theRoad Runner team

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

Find out more

Our other products

Mechanic Liability Insurance

Mechanic Liability Insurance ensures that if a customer sustains an injury from one of your tools, trips on a piece of equipment, or their car is damaged while in your care, you have the protection you need.

Mechanic Tool Insurance

You’ll need Mechanic Tool Insurance if your specialist equipment is stolen or damaged. For any items that need to be quickly replaced so you can carry on working without interruption or delay, this cover is essential.

Auto-Electrician Insurance

As the specialist installing, fixing, and updating often complex systems, you need Auto-electrician Insurance to ensure that your work – and the vehicles involved – has robust protection. Whether that’s diagnostics, repairs, or tech upgrades.

Road Risks

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

Liability Insurance

If you’ve got people working for you, or if you 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, it’s likely you’ll 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 we can help with Premises 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.