Mechanic Insurance

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Trust leads to more trust

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who care about protecting your business.

Mechanic Insurance

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals. For decades we have supplied specialist insurance and risk management solutions to mechanics across the country. You can trust us to provide expert advice and cost-effective insurance solutions to suit your needs.

Who needs mechanic insurance?

Specialist mechanic insurance is for any professional who repairs, modifies, or services vehicles.

Please note that James Hallam cannot arrange insurance for mobile mechanics.

Get a quote

Who does mechanic insurance cover?

Mechanic insurance can cover you for a range of risks, from accidental damage to customers’ vehicles, to loss, theft, or damage of your stock, tools, or machinery.

Core areas of cover can include:

  • Road Risk and Public Liability Vehicle Insurance – This will cover your customers’ vehicles while you work on them. You can even get cover to drive vehicles that do not belong to you to and from your premises.
  • Contents Insurance – Cover for your stock, along with any tools, equipment, and machinery you use as part of your business, for loss, damage, or theft.
  • Buildings Insurance – This will cover your business premises for damages arising from fire, flood, theft, vandalism, and other events.
  • Public Liability Insurance – Cover for claims arising from customers, contractors, and other members of the public for accidents and injuries sustained on your premises.
  • Employer’s Liability Insurance – This can cover any compensation and legal fees that may arise should any employees sustain accidents or injuries on the job. Please note that you have a legal requirement to get employer’s liability insurance if you employ any staff.

Why do mechanics need insurance?

Your customers place a lot of trust in you. If a customer is dissatisfied with your work, or if their car breaks down or malfunctions following your maintenance, they may make a claim against you for negligence or poor workmanship. Specialist mechanic insurance can cover you for issues associated with complaints, as well as broader risks you might face. Mechanic insurance can cover you for:

  • Legal fees and compensation claims
  • Loss or damage to tools or equipment
  • Business disruption due to fire, flood or theft
  • Cover for injuries or accidents to customers or employees on your premises

Without dedicated cover, you would be liable to pay these costs yourself.

How much does mechanics insurance cost?

The amount you pay for your specialist mechanic insurance cover will vary depending on a number of factors, including:

  • The size of your garage, and your workforce.
  • The specific type of services you offer, and the specific type of vehicles you work on.
  • Your location.
  • The level of cover you choose, and how you choose to pay your premium.

We can tailor your policy to suit your needs and budget.

Why choose James Hallam for mechanics insurance?

We are an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who are committed to protecting your mechanics business. We will take the time to get to know you, your business, and the specific services you offer. Once we understand the unique risks you are facing, we can help you get the bespoke, comprehensive insurance you need at a truly outstanding price.

We are here to help you.
Call us on 03330 384 058 or email motortrade@jameshallam.co.uk

Testimonial

After our previous insurer refused to cover a commercial property we had recently refurbished, we had to look at other options.

Following a recommendation from IMDA member, we contacted Andrew Ellis from Flectcher Smith Insurance Brokers. Andrew came and carried out a site assessment on both of our properties. We sat down and went through a detailed audit to make sure all needs and demands were accurately met.

The quote fell well within our expected renewal budget! A real positive for me is the confidence I have in the broker and insurance company knowing our business inside out.

New Client

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