Mobile Mechanic Insurance

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Why Compare Mobile Mechanic Insurance With SimplyQuote?

Being a mobile mechanic can be stressful, even on a good day. Not only do you need to worry about providing great customer service, but you’re liable if anything should happen to your customer’s vehicles while in your care.

Finding cheaper mobile mechanic insurance shouldn’t be that intense.

SimplyQuote understands this and has designed the best solution for you: the 100% free, online, comparison tool!

It’s quick, easy and super simple to use. Just fill in some basic details about yourself and the type of work you do and we’ll provide you with an extensive list of suitable quotes from leading UK insurers.

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Why Do You Need Mobile Mechanic Insurance?

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What Does Valeting Insurance Cover?

What Types Of Mobile Mechanic Insurance Are Available In The UK?

What Levels Of Mobile Mechanic Insurance Can You Get?

As mentioned, three levels of road risks insurance are available in the UK that form the basis of any standard motor trade insurance policy.

Third-party only (TPO)

the most basic level of cover, protecting you against third-party claims. For instance, you damage a customer’s vehicle whilst on duty or knock over a pedestrian while driving.

Third-party, fire and theft (TPFT)

Mid-tier level of cover. This policy includes basic TPO with the added benefit of compensating you, should your vehicle be damaged by fire or stolen. However, it won’t cover repair/medical costs to you or your vehicle.

Comprehensive cover

The highest level of cover in the UK. It includes both TPO and third party, fire and theft along with added protection (e.g. windscreen and breakdown cover, key replacement, etc.). Comprehensive insurance will pay for repair/replacement costs if your vehicle is involved in an accident, even if you are at fault.

What Add-Ons Are Available For Mobile Mechanic Insurance? 

Here are a few optional extras you can consider adding to your mobile mechanics’ insurance cover:

Defective workmanship cover

Protects you if someone claims against you because they sustain an injury or their property is damaged because of your mistake or carelessness during your work.

This is sometimes known as service indemnity insurance and it’s especially important for mobile mechanics because you may be working on cars and other vehicles in locations that are loud, busy or in poor working conditions that could easily cause distraction.

Legal expenses insurance

Being taken to court by an unhappy customer can financially ruin a business, whether you are self-employed or run a busy mobile mechanic trade with several employees.

This policy add-on ensures you are legally and financially protected in these instances, covering all litigation and legal fees involved.

Windscreen cover

This can be added to basic TPO and TPFT policies. It’s usually included in standard comprehensive plans. As the name suggests, your insurance provider will pay for damaged/cracked/broken windscreens to be replaced without you dipping into your pocket.

Key replacement cover

As the name indicates, your insurer will cover the cost to repair or replace damaged, lost or broken keys.

Courtesy car cover

Some insurance providers may not include a courtesy vehicle in their breakdown cover plans. If not, this is a great add-on to have as it ensures business continuity when unforeseen breakdowns arise.

Personal belongings cover

Opt for this add-on to receive compensation for personal items that may be lost, stolen or damaged while in transit. These may include wallets, navigation devices (GPS) and other personal possessions.

EU cover

This policy provides protection should your business operations involve going across the UK border.

How Much Does Mobile Mechanic Insurance Cost?

How Can You Get Cheaper Insurance Rates?

How To Compare Mobile Mechanic Insurance Quotes With SimplyQuote?

Finding and comparing mobile mechanic insurance with SimplyQuote is super simple:

  1. Fill in the short form with a few personal and business details.
  2. Choose policy add-ons to include in your insurance policy.
  3. Compare quotes quickly with the free, online comparison tool.
  4. Save money on your premiums today!
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Frequently Asked Questions

What is mobile mechanic insurance?

Mobile mechanic insurance is a type of motor trade insurance specifically aimed at mechanics operating a mobile service (i.e. not operating from a fixed location).

Is road risk insurance compulsory for mobile mechanics in the UK?

Yes, road risk insurance is a legal requirement for mobile mechanics in the UK. It legally enables you to drive customers’ vehicles (even if you just move them a short distance!).