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Insurance for mechanics and workshops
Insurance for mechanics, auto electricians and repair workshops: public liability, cover for customers’ vehicles in your care, your tools and equipment, and the licences repairers need. Tell us you’re a mechanic and a licensed broker compares quotes for you.
- Mechanic set as your occupation (ANZSIC 9419)
- Public liability and tools in one request
What insurance do mechanics need?
Most workshops need public liability, cover for their tools and equipment, and a plan for customers’ vehicles while they’re in your care, because public liability often limits cover for property in your care, custody or control. Mobile mechanics need the same, plus cover for the van.
Licences in NSW
| Who | Requirement |
|---|---|
| Repair businesses | Self-employed repairers, repair businesses and mobile repairers need a motor vehicle repairer licence. Running a repair business without one can mean fines of up to $110,000. |
| Anyone doing repair work | A motor vehicle tradesperson certificate, including employees. |
| Other states | Check your state’s motor trade regulator. |
The covers workshops usually hold
| Cover | Why |
|---|---|
| Public liability | A customer is injured in your workshop. |
| Customers’ vehicles | Ask how your policy covers vehicles in your care, custody or control. |
| Tools and equipment | Hoists, diagnostic gear and tools. |
| Business pack | The workshop, equipment, theft and lost income. |
| Workers compensation | Once you employ staff. |
What mechanic public liability may not cover
Check these with your insurer:
- Customers’ cars in your care.Often limited or excluded under public liability. Ask about specific cover.
- Redoing your own work.Faulty workmanship isn’t covered.
- Your own injury.That’s income protection.
How to compare mechanic insurance
Mechanic insurance questions
Do mechanics need a licence in NSW?
Yes. Repair businesses, self-employed and mobile repairers need a motor vehicle repairer licence, and anyone doing repair work needs a tradesperson certificate.
Does public liability cover customers’ cars?
Often only in part. Public liability can limit cover for property in your care, custody or control, so ask about specific cover.
Do mobile mechanics need insurance?
Yes. Public liability and tools cover, plus vehicle cover for the van.
Does a business pack suit a workshop?
It can cover the premises, equipment, theft and lost income after an insured event.
Can mechanics compare insurance online?
Yes. Mechanics can request quotes online.
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