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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, a broker can assist with your insurance needs.

The types of businesses a broker 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, a broker will know how to get the right cover for your needs.

If your business type is not listed above, still get in touch with a broker as they 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 prompt in responding much appreciated"
    Joshua Newman | Tradesman Insurance |
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    "Great Service as always"
    Tenacious Enterprises Pty Ltd | Tradesman Insurance |
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    "Very helpful, great staff and very good service."
    Stephan Hunjas | Tradesman Insurance |
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    "Very good communication and great to talk to locals on the helpline."
    Grundling Pty Ltd | Tradesman Insurance |
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    "Very efficient.I like the fact that I don't need to follow them up as they do this for me."
    Mark Stanley Hawkins | Tradesman Insurance |
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    "Been using them for years. Simple easy no fuss."
    Matthew Robert Gilmore | Tradesman Insurance |
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    "Customer Services is fantastic. Great communication both verbally and by email. Very knowledgeable and patient staff."
    Brickit Mark Pty Ltd | Tradesman Insurance |
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    "Very pleasant and helpful staff. Great response time and very happy to help with everything I needed. Would recommend to others definitely. I will continue to use your services in the future. Thank you."
    Off The Edge Safety Rail Pty Ltd | Tradesman Insurance |
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    "answer me questions in a timely manner"
    James Patrick Roberts ATF JARC Trust | Tradesman Insurance |
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    "A very large jump in cost this year."
    | Tradesman Insurance |
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    "Understood what I asked for, provided me with a quote straight away which was good"
    | Tradesman Insurance |
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    "Communication was good - managed to explore other options to suit our needs"
    SE & RS Quick | Tradesman Insurance |
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    "Great service great communication"
    Gary Kelvin Smith | Tradesman Insurance |
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    "5* star excellent"
    Kerry Ronald Mckenzie | Tradesman Insurance |
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    "Very Good Company to deal with. Explained and clarified areas and issues that were unclear."
    | Tradesman Insurance |
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    "We needed to know what we were actually insured for as against our scope of work . We have a better understanding of what works can be undertaken . If we do industrial work which is currently outside the cover we can have it reviewed . Easy."
    John Gregory ATF Tamisa Family Trust | Tradesman Insurance |
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    "Easy work with"
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    "The people."
    Jamie Robinson | Tradesman Insurance |
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