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Guides for Mechanics & the Motor Trade

Straight answers for workshop and mobile trades. What each cover does, what shapes the cost, and how the pieces fit together, without the jargon.

Looking for cover rather than a guide? See mechanic insurance for your workshop, or mobile mechanic insurance if you work from a van.

Workshop owner reviewing an insurance certificate of currency at a desk in a mechanical workshop
8 min read

What Is a Certificate of Currency?

Sooner or later a landlord, a dealership or a principal contractor will ask you to prove your insurance is active, and they will ask for a certificate of currency. Here is exactly what it is, what it needs to show, and how to get one without holding up the job.

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Motor mechanic working on a car engine in a clean Australian workshop
9 min read

What Insurance Does a Mechanic Need in Australia?

Running a workshop exposes you to a specific set of risks that generic business policies were never built for. Here is a plain-English breakdown of the covers most mechanics arrange, why each one exists, and what happens when one is missing.

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Mechanic reviewing paperwork on a tablet at a workshop bench
8 min read

How Much Does Mechanics Insurance Cost in Australia?

There is no flat rate for mechanic insurance. Premium is shaped by how your business actually operates, not by the trade in general. Here are the main factors that move the price up or down, and what to have ready when you ask for a quote.

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Mechanic talking with a customer beside a car in an open workshop
8 min read

Do Mechanics Need Public Liability Insurance?

Public liability is the foundation cover for any motor trade business. Here is what it covers, the kinds of incidents it responds to, why the limit you choose matters, and how it fits alongside the rest of your cover.

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Mobile mechanic working on a car wheel in a suburban driveway
8 min read

What Insurance Does a Mobile Mechanic Need?

When your workshop travels with you, the shape of your cover changes. Here is how insurance works for a mobile mechanic, which risks need the most attention, and the gaps that catch operators out.

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Open red roller tool cabinet showing organised mechanic hand tools
7 min read

What Is Tools Insurance for Mechanics?

Your tools are what the business runs on. Lose them to theft or a break-in and you cannot work until they are replaced. Here is how tools insurance protects your kit at the workshop, in the van and on the road.

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Mechanic driving a customer vehicle on an Australian road keeping left
8 min read

What Is Motor Trade Road Risk Insurance?

If you road-test, collect or deliver customer vehicles, a standard motor policy leaves you exposed every time you take the wheel. Here is how motor trade road risk works, what it covers, and the practical details that matter most.

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Auto electrician working on vehicle wiring harnesses in a well-lit workshop
7 min read

Insurance for Auto Electricians and Vehicle Repair Businesses

Auto electrical work carries a specific liability profile that sits outside what general mechanics face every day. Wiring faults that manifest after the vehicle leaves, high-voltage EV battery systems, and diagnostic work on advanced driver assistance systems all create exposures worth understanding before something goes wrong.

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Customer vehicles on hoists in a busy commercial workshop
8 min read

What Happens If a Customer's Car Is Damaged in Your Workshop?

The moment a customer hands you their keys, you take on a legal duty to care for their vehicle. If something goes wrong while it is in your possession, the question is not whether you are responsible - it is whether you have cover in place that responds to the claim. Here is how that works.

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Mobile mechanic van with organised tool storage compartments visible through the open side door
7 min read

Are My Tools Covered If They Are Stolen From My Van?

Van break-ins are one of the most frequently reported losses in the motor trade. Whether your tools are covered when it happens depends on the specific conditions of your policy, not just on whether you hold tools insurance. Here is what to check, what makes claims succeed, and how to set yourself up before a loss occurs.

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Mechanic road-testing a customer vehicle on a public road after completing a repair
7 min read

Do Mechanics Need Insurance When Test Driving Customer Cars?

Road-testing a customer's vehicle after a repair is a routine part of the workday for most mechanics. It is also an activity that is uninsured if you do not have the right cover in place. Personal motor insurance does not extend to driving a vehicle you do not own in the course of your trade. Here is what you actually need and why it matters.

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Open mechanic's tool chest drawer with sockets and spanners on a workshop bench
6 min read

Do Employees and Apprentices Need Tool Insurance?

An apprentice's tool roll or an employee's socket set is not automatically covered just because it sits in the workshop. Here is whose insurance actually applies, how to close the gap between a business policy and staff-owned tools, and where workers compensation stops and tools cover starts.

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