If you are working with other people’s cars in anyway then it is important to make sure that you are properly covered in the event of any accidents. Mishaps can occur when you least expect it – and it might not even necessarily be due to your own action or fault. For this reason, we have chosen to give a brief outline of exactly why taking out a motor trade insurance policy is important if you are working as a mechanic.
If you are working in a garage then the chances of accidents occurring can be fairly high due to the nature of the work that is being done. Basically, as soon as the customer drops off their car for maintenance or repair, you are then responsible for it. Anything that happens between them leaving it with you and then picking it up again could be placed on your shoulders.
When you come to start on the customer’s car it may need to be moved into the garage working area – this could lead to a bump or scratch. There could be an error made during the repair work that leads to damage being done. Maybe the inside of the car gets dirtied or stained whilst the job is carried out. If any of these things occur then the customer isn’t going to accept their car back in a worse condition – they will want the problem sorted out.
This is where you motor trade insurance policy comes into play. By making sure that you are fully covered for your work you take away the financial risk if anything does happen. Imagine if you didn’t have the necessary cover and you damaged an expensive car, you could end up having to pay out a large sum to fix it. With the right policy, the costs for any damage that occurs as a result of your work will be met by your insurer. For this reason it is easy to see why you should always make sure that it isn’t going to be you who is forced to pick up the cost!
Think Insurance – Quality, Service and Price