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.

  • "Quick, easy, no fuss insurance."
    | Tradesman Insurance |
  • "All experience communication was done on email. no one to talk too. i was not happy with the price and the cso offered me a small discount after being with traderisk for so many years."
    M.A.G. AUSTRALIA ENTERPRISES PTY LTD | Tradesman Insurance |
  • "Very thorough and would purchase again."
    Robert Wilcox | Tradesman Insurance |
  • "Prompt and friendly"
    Crafted Finishes Pty Ltd | Tradesman Insurance |
  • "easy to deal with. even when there was an issue, they were happy to help solve it asap"
    | Tradesman Insurance |
  • "Do you set up and great service good work"
    DANIEL JAMES SELLICK | Tradesman Insurance |
  • "easy to deal with and making adjustments was easy"
    ITV Systems Pty Ltd | Tradesman Insurance |
  • "Customer service has been always good, but recently my experience was not that pleasant. I believe it was an isolated case and overall they do their best to excel."
    Black Ship Investments Pty Ltd | Tradesman Insurance |
  • "Helpful, friendly staff information when contacted with a query. Attended to information requested in a timely manner"
    | Tradesman Insurance |
  • "The broker was extremely professional, very prompt with my enquiry and answered all of my questions with ease. The price came back competitively and the purchase transaction was made easy with BPay, I was very happy to have such an easy and positive experience."
    Common Sense Project Solutions Pty Ltd | Tradesman Insurance |
  • "punctual efficient service"
    Pumicestone Electrical & Airconditioning | Tradesman Insurance |
  • "Easy set up for a basic public and products policy,great work,cheers Tony"
    A.S BARTLETT & J.A BARTLETT | Tradesman Insurance |
  • "Very easy to deal with and very professional"
    H & M McDonald | Tradesman Insurance |
  • "Excellent service and competitive insurance quote rates"
    | Tradesman Insurance |
  • "Great prompt service and helpful."
    G.L.E 63 PTY LTD | Tradesman Insurance | Melbourne
  • "Easy to deal with and make payment"
    Thelma Dawn Els T/As Clean Sweep Bond Cleaning Services | Tradesman Insurance |
  • "Good customer service"
    Coast Plumbing Pty Ltd | Tradesman Insurance |
  • "I called for a question and the delightful lady in the phone answered my questions without an issue"
    Daniel Zerafa | Tradesman Insurance |