Mechanics & Motor Trades Insurance

Motor Trades businesses face a variety of risks. However, you are in good hands! Coverscope specialises in the automotive industry.

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Mechanics Insurance

At Coverscope, we understand that businesses in the automotive industry face unique challenges and risks daily. Motor trades insurance is essential for any Australian business involved in handling, repairing, or selling vehicles. This includes mechanics, auto electricians & panel beaters. Unlike standard business insurance, motor trades insurance is designed to address the unique risks associated with these activities, such as damage to customer vehicles, liability for repairs, and the varied risks of workplace accidents.

Tailored Insurance Solutions

Our specialised policies provide comprehensive coverage, ensuring that your business is well protected against unforeseen incidents. Coverscope’s Motor Trades Insurance covers a range of critical areas:

  • Property Damage: Covers loss or damage to buildings, contents, stock, or other specified items at the business premises due to events like fire, theft, or vandalism.
  • Liability Insurance: Includes public and products liability to protect the business against claims of personal injury or property damage caused by the business operations.
  • Customer Vehicles: Covers loss of or damage to customer vehicles while they are in the care, custody, or control of the business, such as during servicing or repairs.
  • Business Interruption: Provides compensation for lost income and other expenses that occur if the business is disrupted due to an insured event.
  • Theft and Burglary: Protection against the theft of business assets or stock.
  • Glass Breakage: Covers the cost of replacing glass windows and signage.
  • Tools and Portable Equipment: Insurance for tools and equipment, both on and off-site.

Why Choose Coverscope for Your Motor Trades Insurance?

Coverscope combines industry expertise with a commitment to personalised service. Our team of specialist brokers brings decades of experience to the table, ensuring that your coverage is not only comprehensive but exactly what your business needs. We are dedicated to helping you understand your insurance options with clear, jargon-free advice, helping you navigate the complexities of insurance so you can focus on what you do best, running your business.

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Organise A Quote Today!

Protect your motor trade business from the financial impact of various risks, including accidental damage, fire, theft, and liability claims. Contact Coverscope today to learn more about our motor trades insurance solutions. Our team is ready to provide you with a detailed consultation and a customised quote, tailored to meet the specific needs of your business.

What Is Motor Trades Insurance?

Motor trades insurance is designed specifically for businesses involved in the automotive industry, such as car mechanics, auto repair shops, car dealerships, and service stations. This type of insurance typically covers property damage, theft, and liability, including specific risks like damage to vehicles in your care or customer vehicles left for repair​.

What Does Motor Trades Insurance Cover?

This insurance can cover a range of scenarios including accidental damage, fire, weather events, theft, faulty workmanship, and damage to customer vehicles. It also includes public and products liability and professional liability for certifications and roadworthy assessments. Other options can include test driving and delivering vehicles to customers.

What Are The Key Exclusions In Motor Trades Insurance?

Exclusions in motor trades insurance include flood damage (optional request), intentional or dishonest acts by the insured, cyber liability, as well as damage to high-value show cars, exotic cars & prestige vehicles (optional request).

How Can I Get Motor Trades Insurance?

Coverscope consider the specific needs of your business, including the types of services you provide and the risks associated. We evaluate the extent of coverage, including optional covers like business interruption, equipment breakdown, and liability for damage to customer vehicles. Ensuring the policy covers all potential scenarios your business might face.

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


Damage to your own product


Claims by employees


Claims arising out of the use of a registered motor vehicle


Claims related to asbestos

Case Study

During a routine repair, one of Tyson’s employees accidentally damaged a customer’s vehicle, resulting in significant repair costs.

The dissatisfied customer filed a claim against Tyson’s business, seeking compensation for the damages. Without insurance coverage, Tyson would have faced a substantial financial burden, including legal fees and settlement costs.