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Self Employed Mechanic - what insurance do I need?

Discussion in 'Tradespeople' started by Typar, Apr 21, 2011.

  1. Typar

    Typar UKBF Newcomer Free Member

    Posts: 1 Likes: 0
    Hello,

    I am about to start working as a self employed car mechanic. I will be working in other people's premises on behalf of their businesses, but not as an employee.

    How can I find out what insurance I should have? Where do I stand if an accident occurs as a result of work I have done on a car?

    Thanks in advance.

    Typar
  2. serasan

    serasan UKBF Contributor Free Member

    Posts: 153 Likes: 23
    I go to people's houses to measure and then fit blinds and all I have is public liability from simplybusiness.co.uk

    I am sure they can advise you as to what they can offer.
  3. MyAccountantOnline

    MyAccountantOnline UKBF Regular Full Member

    Posts: 9,245 Likes: 1,829
    You could try this - http://www.businesslink.gov.uk/bdotg/action/layer?topicId=1075196424
  4. TheGuru2010

    TheGuru2010 UKBF Contributor Full Member

    Posts: 903 Likes: 103
    Hello,

    It depends on the dutys that you will perform, are you moving customers vehicles?

    You will also need to make sure you have cover for "goods been worked upon" should you damage the third party property etc.

    Feel free to get in touch should you need to speak further
  5. Mechanic

    Mechanic UKBF Regular Free Member

    Posts: 91 Likes: 2
    Public liability
    Defective workmanship
    Motor trade policy

    Also if carrying tools in van might be worth getting 'tools in transit'