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.

  • "31 Sheffield Rd, Welshpool WA 6106"
    Darren James Hatton | Tradesman Insurance |
  • "Easy to talk to and the cover I required"
    KJ Metfab Pty Ltd | Tradesman Insurance |
  • "simple and not time consuming"
    Frank & Davina Rudd | Tradesman Insurance |
  • "Price and service."
    | Tradesman Insurance |
  • "Easy to deal with once again"
    Lachlan Edward Ellicott | Tradesman Insurance |
  • "No and yes"
    | Tradesman Insurance |
  • "Easy and affordable."
    Wayne McDowell T/As Wayne McDowell Electrical | Tradesman Insurance |
  • "very organized. all good."
    JJ & SL Rigbye | Tradesman Insurance |
  • "Everything was very easy and fast. Great service all round."
    | Tradesman Insurance |
  • "We were having trouble finding the right insurance cover but after a telephone conversation with Jennifer we had the right cover sorted within a week. Great to deal with I highly recommend Trade Risk for all your insurance needs."
    Tradie Spec Pty Ltd | Tradesman Insurance | Sydney
  • "Only been with you a month ,, hard to give a5"
    IAN MAXWELL HARRISON | Tradesman Insurance |
  • "Excellent service"
    MIKE W O & A M | Tradesman Insurance | Gympie
  • "Great, easy to deal with.. thanks.."
    | Tradesman Insurance |
  • "good follow up, fair price"
    | Tradesman Insurance |
  • "Customer service was kind and helpful"
    | Tradesman Insurance |
  • "Great communication and reminders"
    JAKE LESLIE | Tradesman Insurance |
  • "Awesome quick and efficient"
    Mackers Construction & Maintenance Pty Ltd | Tradesman Insurance |
  • "Prompt, effecient service with everything. Nothing is a bother, no question is too small."
    | Tradesman Insurance |