Mechanics play an important role within the car market but for those of you that work in this profession it is vital to know what needs to be covered, and that's when motor trade insurance comes into play.
Whether you operate from a premises or if you are a mobile mechanic, there are times when you will be driving another person's car, so for that you need to research what is the best type of insurance policy for you.
Of course, everybody's circumstances are different and what is right for a fellow professional may not necessarily be the correct type of cover for yourself, so first ensure that you have fully researched all the options available to you before committing and don't forget to shop around for the best deal which you may have not gone for originally.
Mechanics are used to dealing with different types of cars on a daily basis, and you need to be aware of the pitfalls that come with potentially damaging the vehicle when it is in your possession.
There are number of key aspects that you need to take into consideration before choosing the insurance package that you believe suits your line of work. Many of which will come in handy the next time you take in the latest car for repairs.
Many insurance companies may exclude certain cars and makes due to the expensive nature of the model and you need to be fully aware of this should your business deal with these types of cars.
Alternatively, you can seek out a policy which includes all the vehicles that you are looking to take in and repair, if you are unsure as to what your insurance covers then a list of all the excluded models will be available from the provider you choose to go with.
Once you have cleared up what vehicles are included within your policy the next thing you need to be aware of is whether your working premises are fully protected.
While most insurers will recognise an address that is different from your home, most will not provide cover within the road risk bracket that will cover against any loss or damages that occur on your businesses' confines. Should you want to safeguard yourself in the event of this then it is best that you take out additional premises cover.
As a mechanic, you will want to ensure that you provide the best possible service to your customer and the last thing you want to do is lose business off the back of a bump or scrape to the vehicle once it has been in your possession.
This means that the importance of motor traders insurance is heightened more than ever, make sure you don't make the mistake of failing to act upon this and take out some cover to protect yourself and your business against any potential problems.
Whether you are a mobile mechanic or someone operating a major business, motor trade insurance is crucial for the running of the company, so don't delay and take out some cover.
Peter is eCommerce Manager at motor trade insurance specialist ChoiceQuote Insurance Services
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