Mechanics Trade Insurance

At NTI, we are specialist motor trade insurers with deep-rooted knowledge of the automotive repair and servicing industry. 

We understand that no two mechanic businesses are the same. Some operate from busy workshops with multiple employees, while others manage lean, efficient mobile services or run from home-based garages. Each of these setups carries its own set of exposures and requirements, and we believe your insurance should reflect that. 

Rather than offering generic, one-size-fits-all coverage, we focus on matching you with a policy that offers comprehensive protection—without unnecessary extras or costs. Whether you need cover for tools and machinery, vehicles being serviced, liability protection for employees or the public, or business interruption insurance to support you through unexpected downtime, we ensure that every aspect of your operation is considered.

For mobile mechanics, we offer specific policies that reflect the added risks of working on the move—from transit tool cover and roadside liability to protection for your van or mobile workshop. For those running operations from home, we ensure that your setup is fully protected, including coverage that standard home insurance policies typically don’t offer. And for larger garages or service centres, we can provide full-scale motor trade cover that protects your premises, staff, customers’ vehicles, and more.

Offers insurance protection for both personal and business vehicles, ensuring that the vehicles used by the business owner or employees are fully covered, regardless of their intended use. Dual Protection, ensures that both personal and business vehicles are insured, providing comprehensive coverage for all vehicles.

This essential cover allows you to legally drive customer vehicles on public roads for business purposes such as testing after repairs, collecting vehicles from clients, or delivering them back once work is complete. Without this cover, any use of customer vehicles on the road could leave you exposed to legal penalties and financial risk.

This coverage protects any vehicle entrusted to you while it is in your care, custody, or control—whether it’s being serviced, repaired, test-driven, or securely stored on your premises. Accidents, theft, fire, or accidental damage can occur unexpectedly, and without proper cover, you could be held financially liable.