Insurance for Mechanics

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What is mechanics insurance?

Business insurance helps mechanics like you protect their growing businesses. Depending on the cover you choose, it could help you manage costs like replacing lost tools, property damage, and legal expenses. 

Damaged equipment, third-party injuries, temporary business closures – the potential troubles for a mechanic never end. 

Situations like these (and plenty of others) could create unplanned expenses for your business. If paying them out of pocket would knock you back, it may be time to consider business insurance.

Why might mechanics need insurance? 

Business insurance isn’t mandatory in NZ for most businesses, but you may be required to have a policy to do things like:

Lease a garage.

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Work as a contractor or sub-contractor.

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Pay legal costs if you face a liability claim.

Types of mechanics we cover

There’s a broad range of mechanics that may need biz cover. Every business is unique, and BizCover is here to help protect yours. 

Auto Car mechanic

Diesel Car mechanics

Bike mechanics

Ready to get covered?

Start with a quote to find your occupation, compare cover options and buy online in minutes.

Types of cover we offer mechanics

BizCover has insurance options for mechanics and automotive techs.   

Tailor your quote to your business, compare cover, and buy online in minutes. 

 Unsure what types of business insurance to get? We’ve got you! Here’s what other mechanics tend to choose:    

Public Liability Insurance

Covers legal fees and repair costs if you accidently cause:

  • Damage to someone else’s property
  • Injury to a client or member of the public (not covered by ACC)

Tool Insurance

Covers costs of repairing or replacing your portable tools, equipment, stock against:

  • Theft
  • Fire
  • Accidental or malicious damage
Tool coverage

Other Covers

Contents (Property)

Contents (Property) Insurance

Covers the money, equipment, stock, and glass you keep in your building against: 

  • Storm damage
  • Fire
  • Theft or break-in damage
Business Interruption

Business Interruption Insurance

Covers loss of income or increase in costs of operation when your business is impacted by events like: 

  • Property damage
  • Fire
  • Storm damage
Statutory Liability

Statutory Liability Insurance

Covers you for an unintentional breach of key NZ business legislation, including:  

  • Legal and defence costs
  • Fines and penalties 

How much does a mechanic’s insurance cost?

Your small business is unique. That means you might face different risks than the mechanic down the street and may pay a different price for your cover.

With BizCover, insurance can be tailored to fit the size, risks, and needs of your business.

Public Liability

Expected average cost

Statutory Liability

Expected average cost

Contents (Property)

Expected average cost

Get cover that works with the risks of your business

Select different cover amounts for each cover listed below.
This is the most you will be paid out if you need to make a claim.

Pick cover for the value of your tools

BizPack cover upto $1M

Customise your cover up to $1M

6 cover levels to choose from

  • $1M
  • $20M

Unsure how much to choose? Think about:

Statutory professional requirements

Cover required by contracts

Number of employees being covered

Your contract value

Worst case scenario claim size

Underinsurance

We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.

Ways underinsurance catches business owners out:

Inflation

With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.

Not covering the full cost of your risks

If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Expected average cost

Expected average cost

*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.

Get cover that works with the risks of your business

You can select from 5 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.

Pick cover for the value of your tools

BizPack cover upto $1M

Customise your cover up to $1M

6 cover levels to choose from

  • $1M
  • $20M

Unsure how much to choose? Think about:

Statutory professional requirements

Cover required by contracts

Number of employees being covered

Your contract value

Worst case scenario claim size

Underinsurance

We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.

Ways underinsurance catches business owners out:

Inflation

With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.

Not covering the full cost of your risks

If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Our Insurers

We work with a selected group of trusted NZ insurers to offer you great cover.

The savings are real

See how much others have saved while purchasing policy through Bizcover

Martin

Gardener from

Christchurch

Saved

$2,000

on

Public Liability, Statutory Liability

& Employers Liability

Vicki

Management Consultant

from Napier

Saved

$1,500

on

Professional Indemnity &
Public Liability

Ian

Plumber from

Picton

Saved

$600

on

Public Liability&
Statutory Liability

Yvonne

Councellor from

Rotorua

Saved

$100

on

Public Liability &
Professional Indemnity

^ Savings made from January 2023 to July 2024. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.

What sets BizCover apart?

We are not just a comparison and buy site.

Make Claims Online

We’ll manage the process on your behalf with the insurers.

Flexi Payment Options

Pay monthly or annually, cancel at any time.

One Stop Shop

Manage multiple cover types in one place.

Easy Renewals

Optional automatic renewal to stay protected.

Hear from our customers

BizCover NZ Rating 4.7/5 on Feefo

Efficient

Trusted Customer

Efficient and great price
Quoted and bought insurance online, very quick and a great price.

Definitely worth

Burnett B

BizCover is definitely worth their word. Quick easy understandable cover

Straight forward

Trusted Customer

It is very straight forward and easy to understand and you can choose whatever you need for your business.

Easy to choose

Pavan K

Easy to choose business insurance. The search and the options provided were very simple and straight forward, didn’t expect it to be that easy.

Fast, friendly and efficient

Kylie T

The customer service agent was excellent. He explained to me clearly all the questions I had. Can’t be beat on price for the policy I needed and I was contacted within half an hour of my enquiry. Policy was confirmed on the phone. Excellent.