Mechanics Insurance

— Being a mechanic is a highly demanding job that requires great skill, strength and persistence. Mechanic’s insurance can cover you when you are dismantling engines to perform routine services.

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Public Liability Insurance

Driving Risk Cover

Tool Insurance

Subcontractors Cover Included

Accident and Injury Insurance

Commercial Motor Insurance

Tax Audit Cover

Result of faulty workmanship

Public Liability for Mechanics

Mechanic’s jobs can take you lots of places including private houses and business sites. Being on someone else property means public liability insurance for mechanics should be highly considered.

Accidents happen, mechanics drop materials and public liability protects a mechanic against claims lodged against you by a third party, a customer, the general public, your contractors and suppliers. It includes cover for third party personal injury, property damage and legal expenses in defending a claim.

imar’s mechanic public liability insurance offers a choice of indemnity options for 5, 10 or 20 million dollars.

Driving Risk Cover Included in Mechanics Insurance

Our driving risk extension can have you covered for up to $100,000 for damage caused by negligence while driving your customers’ vehicles. We can also offer options that include full composite cover for driving risk, under specific motor trades solutions.

Mechanics Insurance for Specialist Workshop Tools and Equipment

If your tools are stolen, you can’t do your job, so tool insurance for mechanics should be highly considered. imar tool insurance covers your tools of trade, hand held tools, mobile phones, stock and customer’s property which are used by you in the normal course or scope of your business. Portable electronic goods like mobile phones are covered under the tool insurance for mechanics.

Tool insurance protects your tools or stock if they are stolen or damaged. If your tools are stolen from a locked vehicle or premises, they are protected. If your tools are damaged by fire, vandalism and the collision or overturning of your vehicle, they are protected.

There are important limitations and conditions on cover, particularly where tools are stored and how they are secured; including a deprecation factor on insured values. Please refer to the Product Disclosure Statement.

Subcontractors Cover Included

Our policies also include Vicarious Liability cover which means if you’re drawn into a legal action as a result of a subcontractor’s negligence, you’ll be covered.*

*Subcontractors require independent public liability insurance

Accident and Sickness Insurance for Mechanics

Whether you are working on site or playing footy on the local oval, imar’s accident and sickness (injury and illness)insurance covers you 24/7. If you are accidentally injured or suffer a covered illness and you can’t work for a temporary time.

Commercial Motor Insurance for Mechanics

Motor vehicles like utes and sedans are essential for mechanics and can be covered by imar’s commercial motor insurance comprehensive policy, and as part of your overall insurance. Fully comprehensive and 3rd party policies are available. In addition imar covers permanently fixed tool boxes and tools of trade permanently attached to the vehicle or trailer.

Tax Audit Cover for Mechanics

imar will cover you for up to $10,000 of your accountant’s fees, charges, expenses which are reasonably incurred to prepare for any statutory tax audit on your behalf. Mechanics may be targeted for audits, so at imar we want to minimise your risk.

Result of faulty workmanship cover

If your work if found to be faulty and results in 3rd party property damage, imar has you covered. Sometimes things don’t go to plan. While standard insurance policies exclude cover to redo faulty workmanship, imar can arrange this cover.

In Summary

Mechanics may work on different vehicles on various sites. Whatever the job, imar aims for mechanics to be focused on their strenuous jobs while the mechanic, their tools, their motor and their business are protected.

All good. Easy to organise. They know what you need , and Not selling you something you don't want. Excellent cover for myself and my customers..
Super helpful through the whole process really helped me as it was all very new to me and ended up getting a really good rate. Definitely recommend for tradies going out on their own
I shopped around and not only were IMAR cheaper but also so much easier to deal with. To deal with someone on the phone that listened, understood and found the right fit for my needs. I tried other companies on line but found it difficult and confusing. The personal touch made all the difference
Adrian Hawkins
Easy to do online no annoying calls from call centre. Price was good previous insurer couldn’t get anywhere near quote certainty paid to shop around before renewal