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Selecting The Right Policy
Before applying for mobile mechanic insurance there are some elements that you should evaluate in order to be able to arrange the exact level of insurance coverage that your business requires. As each business is unique, every insurance policy will need to be crafted carefully to suit your needs and budget. Some of these aspects to assess are:
- Type of coverage – different types of insurance are relevant depending on your operations - for example, ‘goods in transit’ might be essential if you frequently transport parts or vehicles.
- Coverage limit – how much cover will you need, especially with public liability or covering the cost of vehicles, tools and equipment that are essential to your work?
- Contract terms – check for any exclusions or limitations and consider the size of the excess you’re willing to pay and make sure it’s affordable. If you have a no-claims bonus this can reduce your premiums.
- Continuous coverage – having continuous coverage demonstrates responsibility and reduces risks in the eyes of the insurers.
- Compare quotes – get several quotes to compare costs of premiums and coverage offered and check the reviews and feedback for each insurance provider to be sure they provide good service – especially when making a claim.
A specialist mobile mechanic insurance provider is going to be able to understand the needs of your business and the potential risks involved and will be better placed to offer tailored coverage options that will suit your needs better than going to a general insurer. You might be wondering; how much is mobile mechanic insurance?
The best way to find an answer is to get in touch with a member of our expert team and discuss your business’s unique needs and receive a free, no-obligation quote today.
How Much Will Mobile Mechanics Insurance Cost?
Each mobile mechanics insurance policy will differ in price based on the individual circumstances of the mechanic taking out the policy. Key factors that affect the price of insurance for mobile mechanics include –
- Driving and claims history – Insurers have to consider your past driving record and claims history when calculating the cost of your mechanic's insurance. If you have a record of driving offences or previous insurance claims, your insurance policy will be more expensive as you’ll be deemed a higher risk, those with a clean record and few or no claims will be able to get a cheaper policy.
- Age – Your age will be a factor in the price of your insurance policy as insurers typically deem younger drivers to be higher risk. Typically, 25 is a key age, and those under 25 should expect to pay more for their mobile mechanic's insurance.
- The level of cover you choose – There are ways to reduce the cost of your insurance policy yourself, such as opting for less comprehensive cover. However, this does come with a greater risk element.
- Where your van is kept – Thanks to differing crime rates and weather factors like flood records. Insurance costs will vary from place to place and where you keep your van will impact the cost of your policy, as will whether you keep your tools in your van overnight.
- The security of your van or work vehicle – Most modern vans will feature alarms and immobilisers, but you may also be able to get an additional discount by installing insurer-recognised security devices such as extra locks or tracking devices.
Firstly, you will definitely need a basic level of road risk insurance – such as Third-Party Only (TPO) or Third-Party, Fire and Theft (TPFT) to legally be able to use your van on the road to get to your customers. However, the level of other aspects of mobile mechanic insurance you might need will depend largely on the type and volume of business you conduct, the level of interaction you have with members of the public, if you employ anyone to work for you and if you carry valuable tools and equipment in your van. All of these different variables have to be taken into account to give you the right level of cover for your business. To find out what mobile mechanic insurance you need for your unique business, get in touch with a member of our knowledgeable team today to discuss what levels of cover you need and get a free quote.
With Prime Cover, that depends on your business. We’ll build your policy just for you, so you can be covered in as many areas as you need, including road risk, tools, public liability, employer’s liability, trade plate cover, injury, and damage to customers’ vehicles.
Mobile mechanics need insurance for a variety of reasons. In some cases, they’re required by law to have insurance, such as cover to legally drive your work vehicle on the road, or to move customers' cars, or employers’ liability insurance to legally employ others. For other areas of your business, insurance isn’t legally mandated, but is just common sense. Operating without the right insurance can leave you exposed to unnecessary risks, and cause nasty, expensive setbacks that, in some cases, can drown businesses.
Liability insurance is not a legal requirement for mobile mechanics, but is highly advisable. Without it, an accident as simple as a customer tripping over your tools could cause you a major headache and incur legal costs that might sink your business.
You can add as much coverage to your mechanics insurance policy as you need, which can include protection for the cost of your tools and equipment.
You can tailor your mobile mechanics insurance policy to include cover for your own work vehicle, as well as liability cover for any damage caused to customers’ vehicles either while working on them or while driving them.
Yes. You can choose to simply insure your work vehicle if you choose, but we can work with you to evaluate risk areas and scale your policy as much or as little as you need to ensure you’re covered against all likely claims.
Much like everyday car insurance policies, there are a few key factors that will affect the cost of your mobile mechanic's insurance policy, including the value of your work vehicle, what aspects of your business you choose to insure, any previous claims or convictions, where your work vehicle is stored at night, and the value of any equipment kept in your work vehicle.
Yes, absolutely. We can work with you to create a mobile mechanics insurance policy that suits your specific business operations and covers as many risk areas as you need.
The best way to find affordable and comprehensive mobile mechanics insurance is to go to a provider who’s experienced in the motortrade sector, such as Prime Cover. An experienced provider will understand the specific risks and requirements of your business and will work with you to provide a cost-effective policy.