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Car Repairs and Servicing Garage Insurance

Whether you work in car repairs or servicing, from home or a garage, full-time or part-time, we’re here to help you get the right insurance for your business. From liability insurance to premises insurance and road risks insurance, we can sort it.

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What is Car Repairs and Servicing Garage Insurance?

Car Repairs and Servicing Garage Insurance is specialist cover for businesses that repair or service vehicles. It’s designed to cover and protect mechanics who work from a business premises such as a workshop or garage that provides vehicle repairs, servicing, and MOT tests, among other motor trade services.

If you or your motor trade team perform manual tasks like repairing and servicing vehicles as part of your work, there is a risk of an accident or damage, making this type of motor trade insurance essential.

Without cover, you may find yourself spending a lot more money as a result – this could include fines for not having the correct insurance or even legal fees if someone makes a claim against your business.

What does Car Repairs and Servicing Garage Insurance cover?

Car Repairs and Servicing Garage Insurance offers essential cover for those who repair and service vehicles. The main three cover areas you need to be aware of are:

Premises insurance

From Buildings cover to Contents cover and Vehicles at the Premises Insurance, we have options that will minimise your risk.

Road Risks insurance

For vehicles in transit and those kept at business premises, choose from Third Party to Comprehensive and we’ll guide you through any additional requirements.

If you collect and return vehicles, you can extend a Comprehensive Road Risks policy to provide the same car servicing insurance cover for the vehicles being moved.

Liability insurance

Also called Car Service Insurance, cover can include liability options – protecting you against employee or third-party claims. You can choose Public Liability only, plus more comprehensive packages that contain Products and Employers’ Liability as well.

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Why choose Road Runner for Car Repairs and Servicing Garage Insurance?

Partners to the motor trade:

We’ve been riding shotgun with the motor trade for over 25 years, so we understand the ins and outs of insurance for car servicing, car repairs and servicing garages.

Our reputation is built on trust, great relationships, and serving up the insurance solutions that are right for you.

We always make it personal

There’s no such thing as a one-size-fits-all policy with us.

For example, if your car repair business or servicing garage specialises in hammering out dents and completing engine fixes, we’ll help you get the right insurance to properly protect you from risk.

Your problems are ours to fix

You fix cars, and we fix insurance issues. It’s that simple. We understand the ins and outs of car servicing and repairs.

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.

Feel free to get in touch with our team to find out more about our Car Repair Garage Insurance. Alternatively, request a quote to see if we can get you a better deal than what you’re on now. Don’t worry, there’s no obligation if it’s not for you.

More about our Car Repairs and Servicing Garage Insurance

What else is covered?

Here are some more details about what’s covered with Car Repairs and Servicing Insurance.

Road Risks insurance – From Third-Party to Comprehensive cover
Cover for vehicles stored at the premises address
Buildings/premises cover – We can cover buildings up to £100,000, which includes flood cover
Business Interruption – If an incident shuts you down, or a supply or labour shortage means you’re unable to operate, this covers your losses and helps keep you afloat until things get back to normal – we can even cover a temporary premises relocation if necessary
Cover for tools, stock, computer equipment and more
Public Liability – Up to £5m cover

And more! Just get in touch to talk to our team about our offering and your requirements.

Do you need Vehicle Repair Insurance?

Some elements of Vehicle Repair Insurance are required by law – like Road Risks cover and Employers’ Liability cover (if you employ staff). Other elements of the cover are optional. But despite being optional, that doesn’t mean it’s safe to opt out of them.

If you work in this field, vehicle repair insurance needs your serious consideration. Whether you’re mainly working with hand tools and garage equipment, or have made the move toward more complex diagnostics software, you’ll want the vehicles you’re working on to have the best possible insurance while under your care – although there are different elements to this.

As someone in the motor trade, it’s highly likely you’ll need to drive a customer’s car or drive your own repair vehicle, so Road Risks Insurance is key to keeping you covered while on the road.
Public Liability is one important element to ensure onsite customers and visitors are covered, while Employers’ Liability protects your staff and is a legal requirement.
The key benefit of Premises Insurance is that it doesn’t just cover your workshop or garage, but the tools, vehicles, and equipment within it. It can also help cover third-party claims made against you.

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

A mechanic in dark clothing and gloves works on a car engine in a garage, focusing intently on the task at hand.

How much does Car Repair Insurance cost?

Car Service Insurance costs vary between customers depending, for example, on the size of the business they operate, and what type of service the mechanic performs. Our personal approach means we look at each individual business and consider its needs before entering into any discussions or negotiations with possible insurance vendors. We’ll always endeavour to offer you the most comprehensive, suitable cover at an agreed price.

Our criteria

You must be able to meet the below criteria for us to be able 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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Frequently asked questions

Why do you need Car Repairs and Servicing Garage Insurance?

You need Car Repairs and Servicing Garage Insurance to ensure your motor trade business is fully protected from risks – both the common ones and more unusual incidents. Whether that’s a piece of machinery breaking down mid-job, damage to your customer’s car during repair, or someone tripping up in your garage, having a robust insurance solution in place means you can talk to your specialist advisor, submit your claim, and get back to business in good time.

Key cover aspects you’ll benefit from are:

Being covered for road testing customer vehicles
Defending yourself against a faulty workmanship claim
Protection if an employee has an accident at work
Or, if a customer has an accident in your workshop or garage
Tools and equipment protection for everything in your premises

Does Car Repairs and Servicing Garage Insurance cover contents too?

Yes, this insurance can be arranged to include the value of the tools and equipment you keep and use at your workshop or garage.

Who needs Car Repairs and Servicing Garage Insurance?

You require this type of motor trade cover if you own or manage a car repairs and servicing garage business. Ensuring your policy meets the specific needs of your motor trade outfit means that all vehicles, visitors, and tools are protected whilst at your premises and being worked on by you and your employees.

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:

Find out more

Our other products

Motor Trade Insurance

Need motor trade cover? Find out more about our Motor Trade Insurance.

Part-Time Motor Trade Insurance

Looking for part-time cover? Read more about our Part-time Motor Trade Insurance.

Mobile Mechanic Insurance

Need cover on the go? Check out our Mobile Mechanic 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.