Mechanic insurance

There are a number of covers to consider that can be tailored specifically to your business activities. Liability insurance is a must for any mechanic, and public liability can cover you against accidental injury or damage to third-party property. As cautious as you may be in your day-to-day activities, mistakes can be easily made, meaning comprehensive mechanics insurance is essential for any business owner.

At Premierline, we offer mechanics insurance that can be as simple or comprehensive as you require depending on your business. When thinking about what insurance and covers you need to protect your business, you should consider the following:

• Public liability – to cover you against unforeseen events that could leave you and your business exposed to financial loss.
• Employers’ liability – to protect your employees against accidents at work and any damages awarded as a result.
• Personal accident cover – to tide you over in the event that you injured yourself at work.
• Tools & plant – to protect your tools, equipment, and plant.
• Buildings cover – to cover for loss or damage to your business premises.
• Contents and stock – to reinstate your items and belongings.
• Business interruption – to keep finances running when disaster strikes.
• Contract works – designed to cover work that’s underway on a construction site.
• Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
• Commercial vehicle cover – if you use a vehicle or a van for business.
• Road risk cover – to ensure you can legally drive other people’s vehicles during the course of business.

More information

The cost of mechanics insurance depends on a range of factors including the size of your business, and the level of cover that you need. Get a tailored quote online or contact one of our business insurance specialists to find out how much your mechanics insurance might cost to protect yourself and your business from unforeseen circumstances.

We have many years of experience arranging mechanics insurance so we’ve really got to know the covers that different types of mechanics require. We are here to make sure that you have the covers you need to protect you against the risks you face on a daily basis.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.