Diesel Fitter & Diesel Mechanic Insurance

Diesel fitters & diesel mechanics face a variety of risks. However, you are in good hands! Coverscope tailors insurance policies to your needs.

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Insurance for your business

Diesel mechanic insurance in Australia is a type of insurance specifically designed for diesel mechanics and diesel fitters.This type of insurance is indispensable for individuals or businesses engaged in repairing and maintaining diesel engines, including working on equipment such as earthmoving machinery, fixed plant, mobile plant, mining, and industrial machinery, utes, trucks and light vehicles. Diesel mechanics and fitters operate within high-risk industries, spanning mining, marine and shipping, and the rail sector.This insurance protects against various risks and liabilities associated with these high risk industries. 

Here’s an overview of what it typically covers and how it can help:

Public Liability Insurance

Coverage: Public liability insurance protects against third-party bodily injury or property damage claims that may arise during your work. For example, suppose a client or a third party suffers an injury or their property is damaged while you work on their diesel engine. In that case, this insurance can cover the associated costs.

Product Liability Insurance

Coverage: Product liability insurance can provide coverage if a product you have repaired or installed causes injury or damage. This is particularly important for diesel mechanics who may install or repair parts that could fail and cause harm.

Tools & Equipment Insurance

Coverage: This insurance protects your tools and equipment against theft, loss, or damage. Diesel mechanics rely on specialised tools, and replacing them can be costly. Tools and equipment insurance helps cover the replacement cost, ensuring you can continue your work without significant financial setbacks.

Business Property Insurance

Coverage: Business property insurance covers the physical assets of your business, such as your workshop, office, or storage facilities. It helps protect against losses due to events like fire, theft, or other covered perils.

Commercial Vehicle Insurance

Coverage: Commercial vehicle insurance is essential if you use vehicles for your diesel mechanic business. It covers damage to your vehicles and liability protection in case of accidents. We can help with cover for vehicles of all types including Utes, Vans, Trucks and Plant

Need More Cover, We Can Help

Other cover extensions may also be available depending on the industry and equipment worked on, including Driving Risk for damage during testing & delivery, Faulty Workmanship cover extensions, Errors and Omissions for vehicle inspections, Professional Indemnity and increased limits for property & vehicles in your care, custody or control.

Easy Diesel Mechanic Business Insurance Quotes

Having diesel mechanic insurance in Australia protects your business from unexpected events and potential liabilities. It provides financial support and peace of mind, allowing you to focus on your work without worrying about unforeseen risks. Coverscope brokers assist you by reviewing policy terms and conditions to ensure that the coverage meets the specific needs of your diesel mechanic business.

What Is The Main Difference Between Insurance For Diesel Mechanics And Diesel Fitters?

While both professions involve working with diesel engines, the risks and insurance needs vary slightly depending on the workplace and duties. Diesel mechanics often require more comprehensive tool and equipment coverage due to their frequent handling of various engine parts. In contrast, diesel fitters might need more specialised cover for specific tasks such as fitting and assembly in industrial settings.

Can Diesel Mechanics Get Coverage For Accidental Damage Caused To Customer Vehicles?

Yes, insurance policies available to diesel mechanics often include coverage for customer vehicles under their care, mainly when these vehicles are being tested or driven as part of maintenance checks. This insurance can cover costs from accidents or damage to customer vehicles at the workshop or during test drives.

How Important Is Public Liability Insurance For diesel fitters?

Public Liability Insurance is essential for diesel fitters. It protects against claims of personal injury or property damage made by third parties due to the fitter’s business activities. This type of insurance is particularly important given the potentially hazardous nature of working with large, heavy diesel components and machinery.

What Specific Risks Should Diesel Mechanics and Fitters Insure Against?

Diesel mechanics and fitters should consider insuring against risks specific to their field, including faulty workmanship, which can result in costly claims for rectifying errors. Additionally, coverage for theft and damage of expensive tools and machinery, integral to their operations, is crucial. Liability for environmental damage due to the handling and disposal of oils and other hazardous materials should also be considered, as these can lead to significant regulatory fines and cleanup costs.

What usually isn’t covered?

Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer.

Public & Products Liability Policies generally won’t include cover for:


Cost of rectifying faulty workmanship (optional extension available)


Damage to your own product


Claims for injury to your PAYG employees


Claims related to asbestos

Case Study

During a routine maintenance job on a client’s articulated truck, a mechanical failure occurred due to an oversight in Jake’s work. The resulting damage was extensive, leading to costly repairs for the client

The client filed a claim against Jake, seeking compensation for the damages and lost revenue caused by the downtime of the equipment.