Mobile Mechanic Insurance

If you road test customer vehicles, yes. The moment you drive a vehicle that is not yours, an ordinary van policy stops responding and trade road risk is what covers the journey.

In practice it is, because you are working on other people’s property and many customers and fleet contracts ask for a certificate before letting you start.

The cost of redoing the work is yours. Damage or injury the failure causes may fall under products liability, which is why that section is worth having in this trade.

Sometimes, though it depends on local rules and on safety. Insurers ask about it because roadside work carries a different injury risk from a driveway.

It raises the chance of damaging a vehicle nearby and of somebody walking into your work area. Tell the insurer if a lot of your work is in public car parks.

Within the tools section, subject to the single item limit. Diagnostic equipment frequently exceeds that figure, so list it specifically rather than relying on the overall total.

Yes, and it usually rates better than leaving them in a van. Say where they are kept, because the overnight arrangement is what the tool section is priced on.

If you drive vehicles that belong to other people as part of the business, an ordinary policy will not respond. Motor trade cover is written around vehicles in your custody, which is the position almost every trade ends up in.

Road risk covers the driving alone. Combined adds the premises, the stock, the tools and the liabilities into one policy. Which you need follows from whether you work from a site of your own.

Usually yes, as a declared vehicle. It is often cheaper than a separate private policy, though the terms differ, so compare the two rather than assuming one wins.

Where demonstration cover has been included, yes. It is not automatic on every policy, so ask directly rather than finding out when somebody has already pulled off the forecourt.

Under a combined policy, usually yes, subject to the security conditions agreed. Under road risk alone, the driving is covered but the vehicles sitting on site generally are not.

Away from the vehicles and secured, and the policy will state exactly how. Key security is one of the commonest conditions in this trade and one of the commonest reasons a theft claim is questioned.

Only for genuine trade purposes and within the rules attached to them. Insurers expect the plates to be used properly, and misuse is both a licensing matter and a cover problem.

Often the same day once the details are in. What slows it down is missing driver information, so gather that before you start rather than partway through.