Mechanics Insurance

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Mechanics Insurance

As a specialist motor trade insurer with 50 years’ experience finding cover for UK businesses, we can tailor a flexible, affordable mechanics insurance policy to suit you. We have all the market covered, whether you’re a part-time mechanic working from home or a garage owner with a number of business activities and employees. Whatever your requirements, we can help. 

We currently have a wide range of mechanics on our books, from one-man band mobile mechanics through to substantial operations focusing on niche repairs. We even have a mechanic who works only on trikes. We take the time to get to know each and every business to provide the specific cover they need.

What Cover Should You Consider?

We can tailor a single mechanics insurance policy that contains cover for buildings and contents, tools, machinery and other specific equipment such as vehicle ramps, spraying booths and diagnostics equipment.

That cover can also include public liability to protect against claims arising from accidents and injuries sustained on your site, product liability for defective work and employers’ liability, which is a legal requirement if you have staff. There are also road risks to consider so you and your employees can drive customer vehicles.

Cover For Additional Activities

Mechanics come in all shapes and sizes and many will be involved in a range of additional activities as well as their servicing and repair work. This may include buying and selling, vehicle recovery and delivery of vehicles back to the customer.    

Some options to consider include:

  • Public and employers’ liability - up to £10 million indemnity level
  • Stock, equipment, machinery and plant at varying sums insured
  • Engineering inspection
  • Road risks for motor trade including recovery and movement of customer/own vehicles and extensions for secondary activities such as buying & selling
  • Office contents and computer equipment
  • Money cover, business interruption
  • Building and contents cover
  • Own vehicles covered including personal and business vehicles
  • Vehicle and goods in transit cover
  • We will cover apprentices movement of vehicles
  • Vehicles of varying GVWs including HGVs 

Get a quote today

At Clegg Gifford Insurance, we bring together all the different elements of the cover you need in one flexible, affordable policy. Request a quote or for more information, please get in touch with our team.

Get your quote now