Our mechanic insurance policies are tailored by our insurance brokers who know the mechanical industry and what cover they need to be protected.
We work with automotive repair shops, mechanics, diesel fitters and mobile mechanics and tailor each mecahnic insurance policy to your needs.
Find out why hundreds of mechanics of mechanics trust us with their business insurance.
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What you need to know about
Motor mechanic business insurance policies are generally tailored to your industry as there are a number of components that make up the cover required for mechanics and motor repairers.
Regardless of how your business operates the key components to a comprehensive insurance policy for mechanics will usually need to include:
In most mechanics insurance policies these above options dont come as standard.
Our team of business insurance brokers have worked with hundreds of mechanics Australia wide and know how to tailor a package to your needs.
Whether you are a mechanic, diesel fitter, panel beater, window tinter, tyre shop, brake or hydraulic repairer we know how to cover you correctly to help manage the risk of a large claim occurring.
Vehicle prices have seen large increases over the last year so the cost of potential claims have also increased.
Whether you are a mobile mechanic, diesel fitter, vehicle detailer or an auto electrician, our tailored motor trade insurance will ensure that you’re covered correctly.
View our broker’s insight to things you should know about your public liability insurance for mechanic occupations below.
If you are an automotive repairer then you have reason to be concerned about customer vehicles that are left in your posession.
A common issue that is faced under mechanic liability insurance is the cover for customers vehicles and where your liability starts and finishes.
Firstly, there are two options of cover:
There is a big difference between the two.
Negligence covers you for damages that you have been negligent in for example, a car falling off a hoist would be covered. If a customers vehicle was damaged from a hail storm or weather event, this would not be covered. This type of cover would need to be covered under the comprehensive customer vehicle cover.
Driving a customer's vehicle is sometimes required to listen to the vehicle or test the vehicle after it has been repaired.
Most mechanics liability policies should include driving risk cover however, it is quite common for this to not be included under your public liability insurance.
Over our countless years of putting mechanic public liability insurance policies in place it still puzzles us as to why insurers still offer a policy that doesn't include driving risk cover.
We can advise you whether this is covered or not during our free insurance review if you are not sure.
Once again, faulty workmanship is an optional cover for mechanic public liability insurance policies.
The reality is, if you are repairing vehicles then you should have this cover included.
Common claim examples that we have seen under this additional cover is additional damage that has occured due to doing something incorrectly. For example, not re-filling the oil canister, tightenting bolts too tight or loose, incorrect fluids put in.
That damage that occurs due to this error is referred to as consequential damage and will usually need to be covered under faulty workmanship.
Roadworthy certificates and vehicle inspections can be a common practice for repair shops however, not common in your insurance policies.
To cut straight to the chase, most mechanical workshops offer some form of inspection but don't have sufficient cover in place to protect them if something was to occur on the back of the advice they have given.
If you are issuing roadworthy certificates or pre-purchase inspections you should have a professional indemnity policy in place or at minimum an extension clause added to your mechanic public liability insurance.
A recent claim that we have handled was an inter-state purchaser who intended to purchase a vehicle and requested the seller to take the vehicle to their nominated repairer to complete a pre-purchase inspection. The inspection was completed and the all clear given to the purchaser.
When the purchaser received the car and inspected it himself he found rust in various locations across the chasis of the car. The purchaser then insisted to claim the cost of the car purchase from the inspecting repairer.
Running a business takes a lot of time and dedication which is why it is important that when it comes to your insurance you speak to a broker who specialises in your industry. We have managed hundreds of insurance policies for mechanics across Australia so you can be confident in our ability to ensure your policy meets your needs.
Simple, straight forward and fully managed mechanic insurance policies.
The first step is to speak with an Insurance Broker so that we can ask questions about your business and get familiar with how you operate. This allows us to tailor a suitable package to your needs.
Once we understand how your electrical business runs we can give you an overview of what insurances that you need. This can be a range of just public liability insurance or other insurances such as tools cover, motor vehicle and income protection.
We will then contact a number of our insurers and request them to provide us with a quote. Once all of our quotes come back, we will review them and present you with the best option. We will outline our recommendation to you and seek your acceptance.
Once we have your instructions to proceed with the policy we will then organise payment of the policies. Policies can be paid annually or via our monthly premium funding options.
The customer vehicles cover can usually be found attached to a mechanics liability insurance.
You should be able to clearly see somewhere on your policy document that there is an inclusion for customers vehicles in your policy schedule.
A certificate of insurance may not have this extensions included so you should check this on your policy schedule.
Yes, insurers will usually want to know if you are working on any of the following:
It is also important to consider a dollar value of the vehicles that you work on. Some insurers will offer $100,000 for customer vehicles however, as we all know vehicles over $100,000 are getting more common and you should insure this accordingly.
Great question and you are right however, what you need to consider is the costs of additional parts and labour due to faulty workmanship.
For example, if your faulty workmanship led to an engine seizing than you could be liable to replace the engine in a car as a result of the damages.
Yes mechanic public liability insurance will cover for anyone who is considered an employee of your business.
This also includes cover for apprentices.
Machinery breakdown will usually provide cover for the breakdown in motors for things like hoists and dyno tuners.
These motors are typically one of the main components of the machine and replacement of these items could see a significant loss to your business.
We work with a number of mechanics who have machinery breakdown insurance to cover these items.
Yes, we work with all mechanics across Australia.
Our mechanic business insurance policies are suitable for businesses that are either operating independently or are apart of a national franchise.
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