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Mechanic working on a car

Motor Trade Insurance

At Trade Risk we specialise in the construction trades, but we can still point mechanics in the right direction.

Whilst we can’t help you ourselves, we recommend getting in touch with Guard Insurance Brokers.

Guard specialise in motor trades insurance.  Follow the link to visit their website or call them on 1300 167 143.  Tell them Trade Risk sent you!


Whatever size motor trade business you operate, our team can assist with your insurance needs.

The types of businesses we can help include the following:

  • Mobile Mechanic
  • Mechanical Workshop
  • Auto Electrician
  • Car Detailer
  • Panel Beater
  • Paintless Dent Removal

Whether your business has its own workshop or operates as a mobile business, we know how to get the right cover for your needs.

If your business type is not listed above, still get in touch with us as we will most likely be able to assist.

Insurance Types

There are a number of different insurance types a mechanic or motor trade business will require.

The policies that you require will depend on the type of business that you operate.

If you are running a mobile car detailing business you may only require public liability insurance and a small amount of tool insurance.

If on the other hand you are running a large mechanical workshop, your insurance needs will be far more complex in order to protect your investment.

Some of the common insurance types that we assist mechanics and motor trade businesses with are as follows:

  • Public Liability
  • General Property
  • Machinery Breakdown
  • Theft
  • Business Interruption
  • Income Protection

Driving Risk Extension

Whilst the basic insurance policies for a mechanical business are no different to those used by other business types, there is one very important exception.

If you are driving your customer’s vehicles, then you need to ensure that your public liability insurance policy includes the driving risk extension.

Although a standard public liability policy includes damage that you cause to other peoples’ property, this does not extend to damage that you cause to a client’s vehicle whilst driving it.

By adding the driving risk extension to your policy you can cover this risk up to $100k or $250k depending on your needs. Other amounts may also be available on request.

Tradies Love Trade Risk

In 2017 Trade Risk was awarded a Gold Trusted Service Award for the amazing service we offer to thousands of tradies from around Australia.

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    "Very polite and great value"
    | Tradesman Insurance |
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    "Good service no hassles have recommended trade risk to a few people."
    Matthew Hore | Tradesman Insurance |
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    "The Trade Risk service provided was seamless as they advised me in advance that my trade insurance was due and after completing my renewal online Trske Risk came back with a good premium and completed the process without any unnecessary communication. Great service that I highly recommend."
    Joseph Mifsud T/As Joe D Handyman | Tradesman Insurance |
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    "I have always been happy with their service and would recommend them definately."
    | Tradesman Insurance |
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    "I was caught out renewing my policy, but Trade Risk organised everything and made sure I was covered with my Public Liability Insurance."
    Peter Torti Pty Ltd | Tradesman Insurance |
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    "Yeppppppppp"
    | Tradesman Insurance |
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    "Good price & great service"
    | Tradesman Insurance |
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    "Being in a bush fire disaster zone , your safe are lovely They were helpful and quick Really nice That’s what we need Thankyou"
    David Brazzani | Tradesman Insurance | Narooma
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    "The Team at trade risk sorted out my request quickly and efficiently"
    Oliver William Darvell | Tradesman Insurance |
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    "Very quick response and easy to deal with."
    Paramount Construction Group Pty Ltd | Tradesman Insurance |
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    "excellent communication - very efficient service"
    Jake Robert Prosser | Tradesman Insurance |
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    "Great service, easy to deal with. Found us great comparison rates when renewing our insurance"
    J Bremer & A Magyar | Tradesman Insurance |
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    "Can't complain about the pricing and coverage. They're a bit delayed in getting a renewal notice and quote for me to be able to make payment - this needs improvement."
    Andrew Gardiner | Tradesman Insurance | Ipswich QLD
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    "Better pricing, goes up every year risk does not !"
    Brian Arthur Chedgey | Tradesman Insurance |
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    "Trade Risk is very good to deal with and really look after their customers"
    Saiyaaz Khan | Tradesman Insurance |
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    "Was very easy as I have had an insurance broker for last 15 years who was charging me way to much."
    B&H Cotter Pty Ltd ATF The Cotter Family Trust | Tradesman Insurance |
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    "Easy to deal with and gentle reminders on policy expiry. Daughter works in insurance and still recommends this company ."
    | Tradesman Insurance |
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    "Prompt and timely reminders and receipt after payment"
    David Vickers | Tradesman Insurance |
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