As a mobile mechanic, you might have to transport your customers’ vehicles to and from your business or put them through a road test after repairs. A motor trade insurance policy with “driving of customers’ vehicles” coverage is required in this situation. This will safeguard you if you get into a collision while operating a client’s vehicle.
You are protected by liability insurance if you are found liable for harming or damaging someone else’s property or person. You must carry public liability insurance as a mobile mechanic to safeguard yourself in the event of mishaps, injuries, or property damage to your clients. If you’re held responsible for any damages, this kind of insurance will pay for your defense fees and reimbursement. Do traveling mechanics require trade insurance?
Mobile mechanics do indeed require trade insurance. A motor trade insurance policy will cover all the dangers connected to your line of work, including operating from a mobile workshop, driving customers’ cars, and working on cars in various locations. Your tools and equipment can also be protected from theft, loss, or damage with motor trade insurance.
Garages do indeed carry liability insurance. To defend themselves against claims of unintentional injury or property damage brought by clients or other parties, garages must carry public liability insurance. To protect claims made against them for faulty goods or services, garages may also obtain products liability insurance.
In conclusion, having different types of insurance coverage is necessary if you work as a mobile mechanic in the UK in order to safeguard your clients, your company, and yourself. You’ll need to have certain forms of insurance, including motor trade insurance, public liability insurance, and goods liability insurance. You may run your business with assurance and peace of mind if you have the appropriate insurance coverage.
The policyholder and any designated drivers of the insured vehicle are often covered by comprehensive insurance packages. To be sure that someone else can drive your car while covered by comprehensive insurance, it is best to verify your policy documentation or get in touch with your insurance provider.
In the UK, having motor trade insurance is mandated if you work as a mobile mechanic. This kind of coverage is intended to shield you and your company from any monetary losses that could result from mishaps, theft, or damage to the vehicles in your care. You must purchase a specific motor trade insurance policy to ensure that you are fully covered because regular auto insurance policies do not cover automobiles used for commercial reasons.