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Mobile Mechanics Insurance
Mobile Mechanics Insurance is a specialist form of Motor Trade Insurance. It’s designed to provide protection to mechanics who operate on a mobile basis and go to see their clients.
What is Mobile Mechanic Insurance?
Mobile Mechanics Insurance is a specialist form of Motor Trade Insurance. It’s designed to provide protection to mechanics who operate on a mobile basis and go to see their clients. Regardless of whether you’re working at people’s homes, workplaces or the side of the road, Mobile Mechanic Insurance arranged through Jensten Insurance Brokers can offer you essential covers, including:
- Road Risks
- Commercial Vehicle Insurance
- Public and Employers’ Liability
- Tools in transit
- Mobile testing equipment
- Service Indemnity / Defective Workmanship Insurance
- Tools
- Motor legal protection
Need Mobile Mechanics Insurance?
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What does Mobile Mechanics Insurance cover?
Your policy needs will depend on the work you are carrying out and if you have employees or premises. At Jensten Insurance Brokers, we tailor our Mobile Motor Trade Insurance quotes to the needs of our clients and can offer you the following:
It is important that your commercial vehicle is protected should something happen to it.
EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover, with £10m being the industry standard.
If you’re ever sued by a customer or a member of the public, the legal fees could be eye-watering, and motor legal expenses will cover these for you within agreed limits.
If products you use or recommend cause damage or harm, you can face claims for compensation. Product liability insurance will cover any pay-outs should a claim prove successful.
If a member of the public is injured or their property damaged while on your premises, you can be held liable. Public liability insurance will protect you financially should you be sued for damages.
So you can drive customers’ vehicles and any you own in connection with your business on public roads. As with car insurance, you can choose from third-party, third-party fire and theft, or comprehensive cover.
Also known as defective workmanship cover, protects you against claims for faulty parts or for accidentally fitting parts incorrectly.
Without your tools and machinery, you can’t operate. With tool thefts on the rise in the UK, you’d be wise to insure them. This covers tools and expensive pieces of machinery, such as diagnostic equipment. It can also provide Mac and Snap-On tools insurance, plus employees’ tools and toolbox options.
Which protects things like tools and mobile testing equipment from loss, damage, or theft while they are being moved – an ideal cover for mobile mechanics.
Why use Jensten
Dedicated
A team that understand the motor trade business
Trusted
Jensten Motor Trade is rated 4.7/5 on Feefo
Flexibility
Tailored insurance to the needs of your business
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Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.

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What our clients say...
Who needs Mobile Mechanic Insurance?
If you’re working as a mobile mechanic, either on a self-employed or employed basis, then you’d be wise to have Mobile Mechanic Insurance in place. If you plan to drive customers’ vehicles on the road, you will need a road risk policy. Typically, the following professionals take out a policy:
- People who service or repair vehicles on a call-out basis
- Mechanics who offer roadside repairs
- Mechanics who offer mobile tyre, windscreen, or exhaust services
- Mechanics who offer call-out services but also work from their own premises
- Full-time mobile mechanics
- Part-time mobile mechanics
Need Mobile Mechanics Insurance?
For comprehensive Mobile Mechanics Insurance
Mobile Mechanics Insurance
It’s important for mobile mechanics to get the right insurance. To help you do that, here are our Mobile Mechanic Insurance frequently asked questions. We hope they are helpful, but if you’d like some independent advice, please call us on 0161 440 7772 and our specialist Motor Trade Insurance team will be happy to help.
Why get Mobile Mechanics Insurance through Jensten Insurance Brokers?
As well as flexible, quality cover, the Motor Trade Insurance policies we can arrange offer you the following benefits:
- Service from quote to claim
- Road risk-only options
- You get to deal with a dedicated Jensten Motor Trade team who understand your insurance needs
- Cover for social, domestic and pleasure
- The option of comprehensive, third-party fire and theft or third party only cover
As with all insurance policies, terms and exclusions apply. Please contact us for more details.
Is Mobile Mechanics Insurance a legal requirement?
No, you will need to check the terms of your policy. It will need to be in connection with the business if it is owned by the business or is in custody or control of your motor trade business. It may be more cost-effective to limit the covers to keep your premium down.
Am I insured to drive any car on a Motor Trade Insurance policy?
No, you will need to check the terms of your policy. It will need to be in connection with the business if it is owned by the business or is in custody or control of your motor trade business. It may be more cost-effective to limit the covers to keep your premium down.
Please note: your policy may come with indemnity limits that exclude certain types of vehicles, such as classic, prestige cars or Japanese imports. If you’re unsure about what’s excluded or would like some help, please call us on 0161 440 7772 and we’ll be happy to give you some help.
What's the difference between Road Risks Insurance and Traders' Combined Insurance?
While these policies may look the same, road risks only covers driving vehicles on the road. Traders Combined Insurance, on the other hand, can offer a much wider range of essential protections, such as premises, material damage cover and liabilities, amongst others.
How can I get a Mobile Mechanics Insurance quote?
Getting a quote is easy. You can call us on 0161 440 7772, and the team will be happy to help you find the protection you need. We work with a panel of different insurance companies and can help you find the appropriate cover to suit your needs.
Do I need insurance if I only work as a mobile mechanic part-time?
Yes, no matter how many hours you work, you’ll need things like road risks cover if you want to drive customers’ vehicles on public roads.
How can I cut the cost of my Mobile Mechanic Insurance?
There are several ways you can cut the cost of your Mobile Mechanic Insurance quote, including:
- Avoid insuring drivers under the age of 25 if possible
- Building up your no-claims bonus
- Paying annually – paying monthly may be convenient, but paying annually will be cheaper
- Raising your excess – the amount you pay in the event of a claim
- Shop around – or better still, ask an independent insurance broker such as Jensten Insurance Brokers to do the shopping around for you. With our privileged access to some leading insurers’ policies and specialist knowledge, we’ll be able to save you time getting the cover you need
- Park your vehicle in a secure place – and if you must park it on the road add additional security measures such as CCTV, a vehicle tracker, and extra locks, and don’t leave your tools onboard overnight