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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.

  • "user friendly"
    Matthew Chris Pinney | Tradesman Insurance |
  • "Efficient, prompt and no fuss approach to handling our insurance needs."
    | Tradesman Insurance |
  • "As a small business owner in the complex Telecommunications Industry TRADE RISK have assisted the complexities for our business. I shall recommend TRADE RISK to all my business partners. LOGREEN"
    Logreen Pty Ltd | Tradesman Insurance | MELBOURNE VICTORIA
  • "Excellent service."
    Ozi Sheds Pty Ltd | Tradesman Insurance |
  • "Easy to obtain quote. clear information and fast to set up. Can rest assured that l have cover, hopefully never need to use it."
    | Tradesman Insurance |
  • "Efficient and well priced. Thank you."
    | Tradesman Insurance |
  • "My contact Cheryl was very helpful and explained everything to me in easy terms. She was friendly and made me feel at ease and answered my many questions immediately. Thank you"
    Heeney Homes Pty Ltd T/As Heeney Homes Pty Ltd | Tradesman Insurance |
  • "Good value with very simple and easy steps to follow, got prompt response also. Very happy overall."
    | Tradesman Insurance |
  • "Easy to deal with."
    | Tradesman Insurance |
  • "Prompt, friendly and informative."
    | Tradesman Insurance |
  • "Brilliant service."
    | Tradesman Insurance |
  • "great customer service marred by requests to do stupid polls like this one"
    Christopher Francis Gould | Tradesman Insurance |
  • "Good service and price. Will try all products."
    | Tradesman Insurance |
  • ".........."
    | Tradesman Insurance |
  • "Reminder of policy expiring, prompt service and good price"
    | Tradesman Insurance |
  • "I think that trade risk's customer service was excellent. They are really friendly and polite. Followed up really well."
    Daniel Phillips | Tradesman Insurance |
  • "Fast and easy"
    Gantulga Davaasuren | Tradesman Insurance |
  • "I've dealt with this company for a few years now - from the very start they've always efficient and fast... they sort out the paper work that other companies leave the customer to wade through. In a nutshell they save me buckets of time... and time is money. They also save me the aggravation of the paperwork and the back-and-forth that is so common with many insurance companies.."
    Saxon James Pty Ltd | Tradesman Insurance |
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