Do you really need a FULL motor trade insurance policy?
If you are a mobile mechanic, the answer is probably NO.
Whether you are a mobile mechanic on a full or part time basis or operate from premises, we have a motor trade policy designed specially for you which covers your vehicle and all customers cars and can cost as little as £262.50 for comprehensive cover.
The mechanic policy is designed for people like you who do not buy and sell cars and do not need a policy that covers scores of different cars you may own during the year.
The premium is calculated on several simple factors including your vehicle, so provided you drive a low rated vehicle for your work, premiums can be very cheap.
Mobile Mechanics can cover their van and any customer's car they drive. A 36 year old mobile mechanic driving a 2500cc Ford Transit - could pay less than £400 for a policy which provides fully comprehensive cover on his van and customer's cars. His wife can drive the van for free!
If you are a self-employed mechanic aged 21 to 24 please click here
Motor Mechanics may also need Liability cover for both members of the public and employees. Please Click Here for a Liability Insurance Quote Form
EMPLOYERS LIABILITY INSURANCE
Employers Liability Insurance is a legal requirement if you employ anyone on either a permanent or temporary basis. It is to protect you against any claim they may make against you for injury. Courts will nearly always seem to award in favour of an employee and claims can be very substantial - with just minor looking injuries costing employers tens of thousands of pounds. Employers Liability cover cannot normally be taken out on it's own - it is usually tied to a Public Liability policy.
PUBLIC LIABILITY INSURANCE
Public Liability policies can be purchased without the Employers Liability cover and protect you against claims made by members of the public for damage or injury that you have caused. This cover is not compulsory but must be bought if you also need Employers Liability Insurance.
People employed by you to do work even on a "Self Employed" or "Sub-Contract" basis are not members of the public and the only way you can protect yourself against claims made by them is to arrange Employers Liability cover.
Our Office Hours are from 9 till 5 - Monday to Friday.
We also regularly monitor calls out of hours so leave a message on the answering machine if phoning during evening or weekends.
Alternatively use our QUICK MOTOR TRADERS INSURANCE QUOTE FORM
Click the above for a simple form that you can complete online and submit by e-mail.
We will respond with an indication of the likely premium. The quote is normally provided within an hour during the next working day.
You may like to visit our other site www.nmtmotortradeinsurance.co.uk.
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NMT Road Risks Ltd trades as Newberry Motor Trade and is an Insurance Broker specialising in Insurances for the Motor Trade. NMT Road Risks Ltd is an Appointed Representative of Headley Insurance Services Limited Headley Insurance Services Limited is Authorised and Regulated by the Financial Conduct Authority. FCA Reg No 306701. Registered in England 4851495 at William Curtis House, Lenten Street, Alton, Hampshire GU34 1HH