Do mobile mechanics need specialist insurance?

Now that most households have one or two cars at the bare minimum, the need for dedicated specialists who can fix them when they go wrong is of greater importance than ever before.

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Mobile mechanics are a growing industry

According to statistics published by the Health and Safety Executive, there are almost a quarter of a million people working in the motor repair industry, the majority of whom work for small- to medium-sized businesses. While a good proportion of these will operate out of fixed business premises, many offer mobile solutions, operating out of a van and going to their customers rather than having the car delivered to them.

Special circumstances require specialist cover

Operating a business under these circumstances requires special consideration when it comes to insuring your goods and effects, not to mention the implications of driving numerous cars that don’t belong to you. When you have spent time and trouble fixing a problem, you will doubtless have to take the vehicle for a test drive to make sure that all is well.

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When you are trying to run a small business, you simply don’t have time to spare to keep providing insurance companies with the details of every vehicle you are called upon to take the wheel of. This is just one of the reasons why mobile mechanics need to make sure they carry specialist motor trade insurance.

You also need to take into account whether you are operating your business as a full-time venture or whether it is something you do part-time for a bit of extra cash. If this is the case, you won’t want to be paying out for full-time cover. Brokers such as can tailor a policy to your precise needs, ensuring that you only pay for the cover you need. This makes it the perfect solution for anyone who works as a car mechanic on a part-time basis.

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A specialist in providing insurance for mobile mechanics will make sure you are covered for all the circumstances in your work that may give rise to a claim, whether this is loss or damage to your own property or that of your clients. They will also make sure that you don’t end up paying for extra features that you simply don’t need.