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Why Public Liability Insurance Is Crucial for Car Forecourt Traders
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Mobile Mechanic Insurance
Mobile Mechanic Insurance
Specialist cover for self-employed and mobile mechanics working at customers’ homes, workplaces and the roadside, road risk and liability in one policy.
Specialist cover for self-employed and mobile mechanics working at customers’ homes, workplaces and the roadside, road risk and liability in one policy.
Road testing coveredPart-time welcomeWork at customers
Road risk for customer cars
Speak to a specialist 0330 808 1117
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What is mobile mechanic insurance?
Mobile mechanic insurance is a motor trade policy for mechanics who repair and service vehicles at customers’ locations. It covers you to road test customer cars, protects you against injury or damage claims while you work, and can cover faulty workmanship.
Your van policy covers your van, not the customer’s car you’re repairing or road testing. That needs mobile mechanic cover.
Your mobile mechanic insurance depends on:
Your postcodeType of repairs you doRoad testing customer carsValue of tools carriedFull-time or part-time workStaff or helpersYour experience and training
Mobile mechanic work we insure
Mobile mechanic work we insure
From weekend servicing to full-time roadside repairs, we arrange cover for self-employed mechanics of every kind.
From weekend servicing to full-time roadside repairs, we arrange cover for self-employed mechanics of every kind.
Home Servicing
Servicing and routine maintenance on customers’ driveways and streets.
Roadside Repairs
Breakdown fixes and callouts at the roadside or car parks.
Fleet & Workplace Visits
Maintaining company vehicles at business premises and depots.
Diagnostics & Electrics
Mobile diagnostics, auto electrics, key coding and ECU work.
Tyres, Brakes & Batteries
Mobile fitting of tyres, brakes, batteries and exhausts.
Part-Time Mechanics
Qualified mechanics doing mobile work alongside another job.
Your tools, parts and kit
A motor trade policy does not cover tools, spare parts, oils or fluids kept in your van or at home. Those need separate cover, such as a goods in transit or home insurance policy.
What cover does a mobile mechanic need?
What cover does a mobile mechanic need?
Road risk is required by law if you drive customer cars, and employers’ liability is often required if you have staff. Public and products liability and tools cover protect against the claims mobile mechanics face most.
Road risk is required by law if you drive customer cars, and employers’ liability is often required if you have staff. Public and products liability and tools cover protect against the claims mobile mechanics face most.
| Cover | What it covers | Legal? | Who needs it | Part-time | Full-time | Road tests | With staff |
|---|---|---|---|---|---|---|---|
| Public liability | Injury or damage to customers and their property | No | Anyone working at customers’ homes |  | | | |
| Products liability | Claims from parts fitted and repairs done | No | Mechanics fitting parts | | | | |
| Road risk | Driving customer cars on the road | If driving | Mechanics who road test | | | | |
| Tools cover | Theft or damage to tools and kit | No | Mechanics with valuable kit | | | | |
| Employers’ liability | Injury claims from your staff | Often, if staff | Mechanics with helpers |  | | | |
| Faulty workmanship | Putting right damage from repair errors | No | Full-time and part-time mobile mechanics | | | | |
Still unsure which mechanic cover you need?
0330 808 1117What could go wrong on a mobile job?
What could go wrong on a mobile job?
Working on driveways, in car parks and at the roadside brings risks a workshop doesn’t: customer property, passers-by and tools left in the van.
Working on driveways, in car parks and at the roadside brings risks a workshop doesn’t: customer property, passers-by and tools left in the van.
What insurance do I need to be a mobile mechanic?
What insurance do I need to be a mobile mechanic?
Most mobile mechanics need public and products liability, road risk to drive customer cars and tools cover. Getting covered takes four simple steps.
Most mobile mechanics need public and products liability, road risk to drive customer cars and tools cover. Getting covered takes four simple steps.
1
Tell us about your work
The repairs you do, where you work and whether you road test.
2
Confirm tools and drivers
Share your tool values, van security and experience.
3
We compare insurers
We search specialist motor trade insurers for mobile mechanics.
4
Get covered and working
Choose your policy and receive documents so you can take jobs.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by mobile mechanics across the UK
Trusted by mobile mechanics across the UK
From weekend servicing to full-time roadside repairs, our customers trust Insurance Revolution to get the right cover and expert support when it matters.
From weekend servicing to full-time roadside repairs, our customers trust Insurance Revolution to get the right cover and expert support when it matters.
Mobile mechanic guides
Mobile mechanic guides
Practical advice for self-employed mechanics on cover, claims and keeping tools safe.
Practical advice for self-employed mechanics on cover, claims and keeping tools safe.
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Mobile mechanic insurance FAQs
Mobile mechanic insurance FAQs
Straight answers on cover, cost and liability for mobile and self-employed mechanics.
Straight answers on cover, cost and liability for mobile and self-employed mechanics.
Road risk is a legal requirement if you drive customer cars on the road, and employers’ liability is often a legal requirement if you employ staff. Public and products liability aren’t required by law, but without them a single claim from a customer could cost thousands.
Still not sure what cover you need?
Our motor trade specialists can talk you through liability, road risk and tools cover.