Mobile Mechanic Insurance

Mobile mechanic insurance covers mechanics that don’t operate from fixed premises. Instead, they work on the road from a van or other vehicle. They visit customers at their premises, homes, or even places of work.

This is a coverage that can fully protect your mobile mechanic business at each level, whether you’re full- or part-time. Your policy protects your van, tools, and more. And if you have employees, the policy also provides liability protection for them.

Mobile mechanic insurance offers the following three levels of insurance:

Third-party only: protects other people and their property in case the operating of your business caused damage or injuries. However, this level of coverage does not protect you or your vehicle. This is the lowerest level of insurance legally required to carry.

Third-party, fire & theft: the policy provides the same protection as the above, but it also provides protection for your vehicles against damage caused by fire and theft.

Comprehensive: offers all the protection mentioned in the two policies above and also protects you and your vehicles. If you’re injured, or vehicles are damaged in an accident, the insurance will cover these issues.

All mobile mechanics that run a business should have at least a basic level of insurance protection. This I required by law. As noted earlier, Third-party only is the lowest amount of coverage you’re legally required to have. The law has made this requirement to ensure that third parties (such as members of the public) are injured or suffer damage caused by the operation of your business.

In addition, comprehensive insurance protects you and your business from many kinds of risks on the road and more. With this coverage, you can rest assured that you and your business are protected if anything should happen.

Consider how difficult it would be to run your business without your vehicle or tools. Mobile mechanic insurance can protect these, too, and more. In addition, having full coverage of your business can show customers you take care of your business and them, too. Plus, you’ll have peace of mind if anything should happen. You won’t have to pay out of pocket for a claim of thousands of pounds, which could even risk your company’s future.

You need mobile mechanic insurance for these reasons:

• It’s required by the law
• Create a positive image of your business & demonstrate you protect your business and customers
• Protect all aspects of your business
• Provide protection for employees
• Cover all work you do

Here are some of the most common types of mobile mechanic insurance:

Road risks: as a mobile mechanic, you face certain risks on the road and when driving customer vehicles. It’s possible to choose the level of coverage that’s best for your business, and it should be based on the amount of protection necessary. While third-party policies are the cheapest, they don’t protect all aspects of your business.

Protection for tools & machinery: because your tools and machinery are essential for your business, It’s important to ensure they’re fully protected. It’s possible to buy protection for your tools that covers damage or theft.

Public liability: when working on other peoples’ vehicles, public liability insurance provides theh coverage you need. Consider, for instance, that you work on a customer’s car. A few weeks later, the vehicle breaks down due for a completely different reason. It’s possible the customer could file a claim against your business, even though you’re not at fault. Liability insurance can protect you and your business against liability claims.

Breakdowns: another common problem you may face on the road is the breakdown of your vehicle. Breakdown insurance provides assistance so you can get on with your work.

Your mobile mechanic premium is based on several different factors, including:

The level of coverage you choose: the level of coverage you choose affects how much your premium costs. If you choose third-party only, for instance, you can save a lot of money on coverage. However, this policy only protects third parties and offers you and your vehicles no protection at all. That means you’ll pay for your injuries and vehicle repairs.

How secure your van is: to help lower your premium, it’s best to ask the insurance provider what security measures they require. In some cases, they may require you to have an immobilizer and an alarm installed in the van. In addition, they may also suggest parking in a safe, secure location such as a locked garage or parking area, and more. These features help reduce the risk of your van being stolen, which lowers the risk you pose to insurance providers. The result may be a lower premium.

Pay annually: another way to save on your mobile mechanic insurance premium is to pay annually for your policy. This is more expensive up front, but it saves you money in the long run. Many insurers even offer a good discount if you pay in advance.

Comparison shop: you may also lower your premium by comparison shopping for the right policy. Finding the right policy at an affordable price is the goal and can help you save money on insurance premiums.

Whether you work full-time or part-time, MyMoneyComparison.com can help you find and compare various mobile mechanic insurance policies. We work with esteemable partners who are mobile mechanic insurance brokers. They have the knowledge and experience to help you find the right policy for your business at an affordable premium.

All you need to do is fill out our simple form, hit “Enter,” and then wait a few minutes for detailed quotes and prices to appear. It’s really that fast and easy! We help you compare quotes from various insurance providers who help you find the right insurance package for your mobile mechanic business. What’s more, our insurance providers are ready to answer all of your questions. They will also offer assistance with putting together a mobile mechanic policy customized for your business.

So, why not get your mobile mechanic insurance quote today?