No Spanner In The Works

Mechanic insurance is an essential policy for any car mechanic. Whether you’re working part-time or full-time, mobile, from home or from garage premises, our highly trained team will find you the best mechanic insurance policy to suit your needs.

Mechanic insurance can be arranged on a combined policy to include cover for:


Contact Plan Insurance Brokers now on 0800 542 2741* to discuss your mechanic insurance requirements, or request a Call Back and an expert member of our team will get back to you shortly.

** Plan clients can get £50 credit towards their renewal for each friend they refer when they purchase a qualifying policy. The new client also gets £50 off their policy. Terms & conditions apply, visit this page for more details.


Below we have compiled some commonly asked questions that explain the key features of Mechanic Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.

If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.

Who needs a Mechanic Insurance policy?

Mechanic Insurance is an essential policy for any car mechanic. Regardless of your working patterns, cover can be tailored to suit your exact needs.

Our Mechanics Insurance offering can include polices that will provide you with protection against all manner of hazards, ranging from accidental damage to a client’s car, accusations of poor workmanship or an accident on the road. If you need mobile mechanics insurance you will want to include cover for you and any employees working in varying locations. Suitable risk management and training should be considered to minimise the chance of incidents and resulting damages occuring.

From an employee getting injured at work, to accidentally damaging a client’s vehicle, Motor Mechanic Insurance is there to provide you with all the protection you need.

With a policy from Plan Insurance Brokers, you can be safe in the knowledge that an independent insurance expert has worked with you to identify your precise needs. You’ll have peace of mind, as well as the backing of a professional claims handling service should the worst happen.

What does a Mechanics Insurance policy cover?

Mechanic Insurance can be arranged on a combined policy to include cover for:

  • Premises Insurance

This will provide cover for any building where the business is located.

  • 3rd Party Public Liability Vehicle Insurance

This will cover the customer’s vehicle whilst it is being repaired or being moved from the owner’s house to your premises.

Should the business have to stop trading, this can cover fixed overheads like rent or wages.

  • Contents Cover

We can cover the contents at the trade premises, including tools and any money you may keep on site.

This is a requirement by UK law, even if you only employ people on a part-time or voluntary basis.

In the event of a member of the public having an injury at your trade premises.

  • Comprehensive Motor Insurance for Mechanics

Covers potential damage incurred to your and your customers’ vehicles whilst your are driving.

Why Compare Car Mechanic Insurance with Plan Insurance?

Plan has many years of experience in the Motor Trade industry. We provide high quality customer service and strive to find you a policy best suited to your business. Regardless of whether cover is needed for a garaged based mechanical business or if a mobile mechanic insurance policy is required we can source a competitive and comprehensive offering.

Our team will keep you informed every step of the way, from taking out your initial policy to renewing it, and even managing your claim should you need to make one.

We’re available to talk to on the phone or via email at your convenience. So, even if you need to make adjustments to your cover to reflect changes in your circumstances, we offer a hassle free service.

Can I get Mechanics Insurance without a premises?

Arranging mechanic insurance without premises is not a problem. The insurance industry calls this a road risk only policy. If you are trading from home, cover can be tailored to reflect your exact circumstances. It would make no sense for your mobile mechanic insurance (officually known as a motor trade insurance policy) to require payment for premises cover that is not required.

Can I get Part Time Mechanic Insurance?

We offer part time traders policies from many insurers. If you’re not full time in the business or work from home, the likelihood is that the risk profile will be different in the eyes of an insurer.

Part time mechanic cover is often cheaper for the level of cover you need.

Do you offer Mechanic Insurance for self employed traders?

Motor trade insurance for self employed traders is widely available. Some insurers prefer that you do not have a secondary occupation but self-employed status presents no obstacles for our insurers. It is likely that you will need to provide proof of trading. If you work from a mechancial repair garage this should be relatively easy to evidence by retaining receipts for parts, invoices issued, marketing material etc. The same applies if you have mobile mechanics insurance.

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