Being a mobile mechanic, you need the right motor trade insurance to run a successful business. Mobile mechanics are unlike stationary workshops due to the nature of their work. No matter if you’re driving from a van or making house calls, you need a policy that covers your vehicle, equipment and the services you provide. In this guide, we’ll look at the key things to look out for when you compare via Quote Goat, and what cover you’ll need for your business.
Why Mobile Mechanics Need Specialized Coverage
Mobile mechanics are important services that require flexibility and mobility. They usually work on-site, at customers’ homes, or someplace that isn’t at a set address. However, this makes them riskier than stationary workshops as they have to work with tools in unfamiliar locations and must deal with a range of vehicle makes and models. The right motor trade insurance will help to reduce these risks and keep your business running smoothly.
Tools and Equipment Coverage
Damage, loss or theft of tools and equipment is one of the biggest risks for mobile mechanics. Unlike traditional mechanics, mobile mechanics take their tools with them from job to job, typically in their vans or vehicles. Make sure your tools are covered by a comprehensive insurance policy against theft, damage and loss and you will have peace of mind that your livelihood is protected.
How to Ensure Proper Coverage for Your Tools
One of the biggest risks for mobile mechanics is damage, loss or theft of tools and equipment. Mobile mechanics, unlike traditional mechanics, move from job to job with their tools in their vans or vehicles. If your livelihood is lost, then your tools should be covered for theft, damage and loss and that gives you peace of mind.
Vehicle Coverage: Protecting Your Mobile Workshop
Your vehicle is your mobile workshop and it is important to have your vehicle covered. It is essential to cover your van if it is involved in an accident, vandalized or stolen.
And with the expensive tools and parts, you also have to have vehicle insurance that covers your stuff.
Breakdown and Emergency Assistance
Breakdown cover also needs to be considered by mobile mechanics. A broken down vehicle can mean delays and lost income if you’re on a job. Make sure your motor trade insurance includes breakdown assistance and that you can get a replacement vehicle or repair services quickly.
Public Liability Insurance
Mobile mechanics see a lot of people on a regular basis, whether it is performing vehicle repairs or providing diagnostic services. This is why public liability insurance is important. It covers you if you cause damage to a client’s property, or if an accident results in bodily injury. Public liability coverage can help shield you from the high costs of lawsuits, medical bills, or property repairs, if you’re working in a customer’s home or in a public area.
Employers’ Liability Insurance
Employers’ liability insurance is a legal requirement if you hire employees or subcontractors. If an employee gets hurt while working for your business, this coverage will protect you. If you’re a solo mechanic, or if you plan to expand your workforce in the future, even if you don’t need one now, you may want to consider this option.
Comparing Motor Trade Insurance Quotes
So now you know what coverage you need, the next step is to compare motor trade insurance quotes to find the best deal. Premiums can be wildly different and you need to make sure you get the right level of protection without paying for extras you don’t need.
By using Quote Goat you will be comparing a range of insurance providers who specialize in motor trade cover, meaning you can find the most competitive price for your requirements.
Protecting Your Business with the Right Insurance
To help keep your tools, vehicle and livelihood safe, it is important that you choose the right motor trade insurance policy for your mobile mechanic business. Consider essential coverage options such as tools and equipment, vehicle protection and public liability, and others, and you can make an informed choice on the options that work for you