Vehicle Repair and Servicing Insurance
Vehicle repairers and servicing businesses handle customer vehicles, tools, diagnostic equipment, parts, ramps, premises, employees, and road risks. If a vehicle is damaged, a customer is injured, or a repair-related issue leads to a claim, the financial impact can be significant.
Quote Monkey can help garages, workshops, mobile mechanics, and vehicle servicing businesses request a specialist broker referral for cover such as road risks, public liability, products liability, professional indemnity, employers' liability, tools, stock, premises, and business interruption.
Referral enquiries may be reviewed by a specialist insurance broker, subject to underwriting criteria, insurer acceptance, terms and conditions.
Specialist Referral Support for Vehicle Repairers
Vehicle repair and servicing businesses can face risks from customer vehicles in their care, road testing, diagnostic work, repairs, replacement parts, workshop machinery, tools, employees, visitors, and premises.
Whether you run a garage, repair workshop, servicing centre, mobile mechanic business, diagnostic service, or specialist repair operation, a specialist broker may be able to review your activities and help identify suitable insurance options.
Common Insurance Sections for Vehicle Repair and Servicing Businesses
Road Risks Insurance
Road risks insurance may cover vehicles connected to your repair or servicing work while being driven on public roads. This could include customer vehicles being road-tested, collected, delivered, or moved as part of the repair process, depending on the policy wording.
Public Liability Insurance
Public liability insurance may help protect your business if a customer, visitor, supplier, or member of the public is injured or their property is damaged because of your garage, workshop, or servicing activities.
Products Liability Insurance
Products liability insurance may help protect your business if a part, component, tyre, oil, fluid, accessory, or product you supply, sell, fit, or install causes injury or property damage. This can be important for garages that supply replacement parts as part of repairs or servicing.
Professional Indemnity Insurance
Professional indemnity insurance may help protect your business if a customer claims they suffered financial loss because of professional advice, diagnostics, inspection reports, servicing recommendations, valuations, or specialist technical guidance.
Employers' Liability Insurance
If you employ mechanics, technicians, apprentices, reception staff, drivers, valeters, admin staff, or temporary workers, employers' liability insurance may be legally required. It can help protect your business if someone working under your direction is injured or becomes ill because of their work.
Tools, Stock and Equipment Cover
Cover may be available for hand tools, diagnostic machines, ramps, compressors, workshop equipment, spare parts, oils, consumables, and other business property, subject to the policy terms.
Who May Need Vehicle Repair and Servicing Insurance?
This type of insurance may be suitable for a range of repair and servicing businesses, including:
Vehicle repair garages
Car servicing centres
Mobile mechanics
Diagnostic technicians
Brake and clutch specialists
Exhaust and tyre fitting businesses
MOT testing centres
Vehicle electrical repairers
Air conditioning servicing businesses
Hybrid and electric vehicle repairers
Fleet maintenance providers
Specialist vehicle repair workshops
Road Testing and Customer Vehicle Risks
Repair and servicing businesses often need to move, test, collect, or deliver customer vehicles. A broker may ask who drives customer vehicles, driver ages, licence details, claims history, road testing procedures, maximum vehicle values, and whether courtesy cars or collection and delivery services are provided.
Customer vehicles in your care, custody, and control may need careful consideration. Cover can vary between insurers, so it is important that the policy accurately reflects how vehicles are handled, stored, and driven.
Premises, Tools, Stock and Business Interruption
Garages and servicing businesses often rely on valuable workshop premises, ramps, lifts, diagnostic systems, compressors, tools, stock parts, fluids, batteries, tyres, office equipment, and customer vehicles on site.
Depending on the policy, cover may be available for buildings, contents, tools, stock, machinery, customer vehicles, money, business interruption, and legal expenses. Businesses operating from fixed premises may need a broader combined motor trade policy rather than road risks alone.
Products and PI Risk Information
A specialist broker may ask whether you supply or fit parts, tyres, batteries, brakes, clutches, exhausts, fluids, filters, electronics, accessories, or specialist vehicle components as part of your repair or servicing work.
Products liability may be relevant where a supplied or fitted product causes injury or damage. Professional indemnity may be relevant where you provide diagnostics, inspection reports, written advice, technical recommendations, maintenance programmes, vehicle assessments, or specialist consultancy where a client could allege financial loss.
Information a Specialist Broker May Ask For
To review a vehicle repair and servicing insurance referral, a broker may ask for:
Repair and servicing activities carried out
Trade experience and qualifications
Whether the business is mobile, premises-based, or both
Trading address, premises type, and security details
Driver names, ages, licences, and claims history
Maximum customer vehicle values
Whether vehicles are road-tested, collected, or delivered
Tools, machinery, stock, and premises values
Whether employees, apprentices, or casual workers are used
Whether parts, diagnostics, reports, or technical advice are supplied
What May Not Be Covered
Cover will depend on the insurer, policy wording, declared activities, vehicle types, driver details, exclusions, and conditions. Common restricted or excluded areas may include:
Undeclared repair, servicing, or vehicle activities
Drivers not named, accepted, or meeting policy criteria
Vehicles above agreed values or outside accepted categories
Road testing, collection, or delivery where not declared
Racing, track use, performance testing, or competition use unless agreed
Faulty workmanship itself, unless a specific extension applies
Damage to your own tools, stock, or premises unless the relevant cover is included
Professional advice claims unless professional indemnity cover is arranged
Employee injury claims unless employers' liability cover is in place
Always check the full policy wording, schedule, exclusions, endorsements, and conditions before relying on cover.
Request a Specialist Broker Referral
If you need vehicle repair and servicing insurance reviewed by a specialist broker, you can submit details of your business, vehicles, drivers, premises, tools, parts, employees, and required cover.
Referral enquiries may be reviewed by a specialist insurance broker, subject to underwriting criteria, insurer acceptance, terms and conditions.