If you work as a mechanic then getting the right type of insurance is vital. Working on customer vehicles all the time means you need to be covered in case something goes wrong. Many business owners have found themselves on the wrong end of a liability claim so making sure you protect every aspect of your business is key.
Below are some of the main types of cover you can get with a mechanics insurance policy as well as information on where to find cover.
The types of cover you can get
- Road risks – Road risks insurance is essential for mechanics. It will cover you and any employees you have for working on customer vehicles as well as transporting them as needed. You can choose what level of road risk cover you want to have included in your policy.
- Liability claims – Liability claims are another thing it’s important to get cover for. You can have both public liability and employers’ liability insurance included in your policy. You’re also able to have legal expenses added too…
- Legal expenses – If you find yourself in a position where you need to fight a liability claim in court then you will certainly be glad to have legal expenses as part of your mechanics insurance policy. It will ensure that you’re covered for the legal costs involved in fighting the claim.
- Combined insurance – A combined mechanics insurance policy provides a way to get full protection for your business. In addition to covering vehicles, it also provides protection for your premises, tools, stock and cash. Being able to cover every aspect of your business under one policy makes things more convenient and often proves to be cheaper than getting a separate policy for your premises and its contents.
Where to find cover
There are many great websites out there now that enable you to get quotes in a quick and easy manner. One such such site is UK based Traders-insurance.com. Getting quotes is simply a matter of filling in a quote form with the details of your business and the level of cover you require.
Getting a lot of quotes is one of the best ways to save money on mechanics insurance in the UK so it’s very useful to be able to obtain multiple quotes from the same place.
