MOT Stations Trade Insurance

If you’re an MOT mechanic, specialist automotive engineer, or coach trimmer, the work you do carries serious responsibility.

Whether you’re testing vehicles for roadworthiness, performing complex engineering tasks, or restoring interiors to original condition, your role involves direct interaction with your clients’ vehicles—often including road testing, repairs, or modifications. 

At NTI, we specialise in insurance solutions for motor trade professionals with hands-on responsibilities. We understand the risks that come with your line of work, including liability concerns, damage to customer vehicles, equipment theft, and regulatory compliance. 

Our coverage solutions are flexible and built around your business model. Whether you operate from a full-service garage, a specialist workshop, a mobile unit, or a combination of these, we’ll work with you to assess your exact needs and craft a policy that provides comprehensive, cost-effective protection.

For MOT mechanics, this can include road risks cover for legally driving customer vehicles, premises and liability protection, and cover for diagnostic equipment and machinery. 

Your tools are your livelihood. Whether stored in a workshop, van, or on-site, this insurance ensures you’re not left out of pocket if they’re lost, stolen, or damaged. Coverage can be tailored to reflect the true value of your equipment, helping you get back to work quickly with minimal disruption.

For those working out of garages, workshops, or other fixed locations, this cover protects your business premises against a range of risks — including fire, theft, vandalism, flooding, and more. It can also include fixtures, fittings, office equipment, and stock stored on-site.

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.