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Motor Mechanics Insurance
If you’re a mechanic, having the right insurance is essential. Whether you run a garage, work as a mobile mechanic, or operate an autobody shop, you need motor trade insurance that protects your business.
How It Works Get Insured In Three Easy Steps
Click the button on the right or call us for a free quote.
We'll guide you through policies and prices.
Get insured today. Pick a policy, and we'll sort everything.
Every business is different. Whether you buy and sell vehicles part-time or operate MOT services from your own premises, it’s vital that you have the proper protection if the unexpected happens during your working day.
Levels Of Cover
Third-Party Only
The most basic level of cover, providing protection against injury or damage caused to others and their property by a vehicle on your policy when used for business.
Third-Party, Fire & Theft
Includes third-party cover plus protection for customer vehicles in cases of fire, accidents, or theft linked to your business.
Comprehensive
Covers everything in third-party fire and theft, with added protection for accidental damage and personal injury. Some policies may also include vandalism and windscreen cover, depending on the insurer.
Combined Cover
The most extensive option, offering tailored cover based on your business’s specific needs. Choose from premises and tool cover, liability, and more alongside road risk.
Find out what we can cover for you
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Road risk insurance allows mechanics to legally drive customer vehicles while working on them.
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Liability insurance protects against claims from customers, suppliers, and employees in case of accidents or disputes.
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Buildings, contents, and material damage insurance covers the mechanic’s workshop, tools, and equipment.
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Tools and equipment cover helps replace or repair essential items like hydraulic platforms, diagnostic tools, and pressure washers if they are stolen or damaged.
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Theft and vandalism cover safeguards against financial loss caused by stolen or damaged tools, equipment, or stock.
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Stock cover provides financial protection for spare parts, engines, and body panels in case of theft, fire, or vandalism.
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Activities unrelated to your motor trade business.
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Personal vehicle insurance separate from business use.
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Driving under the influence of drugs or alcohol will void coverage.
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Unsecured vehicles left unlocked or unattended without proper security are not covered.
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Non-motor trade-related activities are not covered under a motor trade policy.
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Overview
Working as a mechanic comes with unique risks. At Unicom, we can find you specialist mechanic insurance that protects your business, tools, and employees with tailored coverage. Backed by years of industry experience, we offer competitive policies designed to keep your workshop running smoothly so you can focus on what you do best.
What Insurance Do I Need as a Mechanic?
If you work on customer vehicles performing repairs in a garage or as a mobile mechanic, you need motor trade insurance. It covers you for road risks, liability, and damage to customer cars. Whether you’re a mobile mechanic, own a garage, or run a body shop, the right cover ensures you’re protected against unexpected incidents. Without it, you’re not only at financial risk but you could also be breaking the law by not having at least employer’s liability and the minimum road risk coverage.
At Unicom Insurance, we’ve been protecting mechanics with specialist insurance products tailored to the motor trade. We’ll help you find the perfect policy to keep your business protected in any situation.
What Does Motor Trade Insurance for Mechanics Cover?
Your policy depends on your specific needs, but core cover options include:
- Road risk insurance, which allows you to legally drive customer vehicles.
- Liability insurance to protect against claims from customers, suppliers, and employees.
- Buildings, contents & material damage coverage for your premises and equipment.
- Third-party, fire and theft cover for customer and business vehicles.
- Stock & tools cover to ensure your essentials are covered.
- Loss of MOT licence coverage if your MOT license is revoked.
Do Mechanics Get Cheaper Car Insurance?
Not necessarily. Personal car insurance won’t always be cheaper just because you’re a mechanic.
However, a motor trade policy can offer better value if you drive multiple vehicles, as it covers all the cars you work on under one policy.
It’s also more flexible, allowing you to drive different vehicles without having to update your insurance each time. However, you will need to update the Motor Insurance Database (MID) with your trade plates and the vehicles in your care. Don’t worry, you can sort all that out via our MID update page.
How Much Is Motor Trade Insurance For Mechanics And Garages?
No two garages or mechanics operate the same way, which is why your insurance should be tailored to your specific needs. Whether you’re a small independent workshop, a mobile repair service, or a large garage, we’ll help you find the best cover to protect your business, employees, and customer vehicles. Contact us today on 0113 312 0558 for expert advice and a tailored motor trade insurance quote.
Why Choose Unicom?
As a motor trader, you need a broker that understands how your business works. From us, you can expect:
Expert Advice
Not only do you get tailored policies, but we'll give expert advice to go with it.
Affordable Cover
Our teams will find you the best premium rates amongst our panel of insurers.
Bespoke Policies
We'll get your business truly tailored cover with our motor trade combined coverage.
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Discover how much you can save on your insurance now.
Frequently Asked Questions
Owning and running a garage means investing in expensive tools, equipment, and spare parts. Protecting your business with the right insurance ensures that if something goes wrong—whether it’s theft, fire, or an accident—you’re not left facing huge losses. Here are some key types of cover to consider:
Tools & Equipment Cover
Garages rely on costly equipment like hydraulic platforms, pressure washers, and diagnostic tools. If these are damaged, stolen, or vandalised, replacing them can be expensive. Tools and equipment cover ensures your investment is protected so you can keep your business running.
Employers’ Liability Insurance
If you have employees you’re legally required to have employers’ liability insurance. This covers you if an employee is injured or falls ill due to a work-related incident, protecting both your staff and your business from potential legal claims.
Stock Cover
Keeping spare parts on hand is key to running an efficient garage. Whether it’s engines, body panels, or small components, stock cover protects your inventory from fire, theft, and vandalism. If you store vehicles on-site, a combined premises policy can cover your garage, tools, stock, and customer vehicles in one comprehensive package.
The best insurance policy is one tailored to your business. Here are some examples of motor trade professions and the coverage each needs:
- Mobile mechanics may only need road risk insurance with tool cover.
- Garage owners benefit from a combined policy covering premises, equipment, and customer vehicles.
- Autobody shops might need additional cover for paint booths, specialist machinery, and liability risks.
The key is ensuring you’re protected against everyday risks, whether that’s accidental damage, theft, or a customer claiming their car was damaged while in your care.
Once your business is properly insured, you can work with confidence, knowing you’re covered. Every mechanic’s insurance policy we provide is tailored to fit your business, so you’ll never be left unprotected.