May be needed where customer or trade vehicles are driven for diagnosis, collection, delivery or road testing.
Cover for work away from premises
Mobile Mechanic Insurance
Mobile repairs combine vehicle, tool, liability and driving risks. The policy structure should reflect where you work, what you repair and how customers’ vehicles are handled.
Cover areas to consider
Check limits, overnight vehicle requirements and whether theft from an unattended vehicle is restricted.
Public, products and employers’ liability can respond to different third-party and staffing exposures.
Describe the work precisely
Diagnostics, servicing, tyres, roadside repairs, recovery, welding and work on high-value or performance vehicles may be viewed differently. A clear description helps avoid gaps between the work performed and the insured business description.
Useful submission details
- Qualifications and experience
- Maximum vehicle value
- Types of repair undertaken
- Tool values and van security
- Road-testing arrangements
- Annual turnover and wages
Focused commercial insurance guidance
Explain how a mobile mechanic works
A mobile mechanic may work at homes, workplaces or the roadside. The risk can include customer vehicles, tools, driving and liability away from a fixed workshop.
Describe where work takes place and what jobs are carried out. Also explain how tools and customer keys are kept secure.
- List the services provided.
- Explain where work is done.
- Value tools and equipment.
- Describe customer vehicle custody.
The insurance should reflect the real mobile operation.