Motor trade insurance for car valeters and mobile mechanics
Car valeters and mobile mechanics need motor trade insurance because they handle customers' vehicles — road risk covers driving and moving them, and you can add cover for tools and liability.
Cover that suits mobile and valeting work
If you travel to customers to clean, service or repair their cars, you're working on vehicles you don't own — which a private policy won't cover. Motor trade insurance is the right fit, even if you work part-time or from home.
A typical mobile trader's cover can include:
- Road risk to move and road-test customers' vehicles
- Public liability for damage or injury to others
- Cover for tools and equipment you carry
- Custody cover while a vehicle is in your care
Because valeters and mobile mechanics often don't have premises, many run on a road risk policy plus add-ons rather than full combined cover. Compare quotes from regulated UK brokers to build cover around the way you actually work.
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Do mobile mechanics need public liability cover?
It's not legally compulsory, but it's strongly recommended — it protects you if you damage a customer's property or someone is injured because of your work.
Are my valeting tools and equipment covered?
Not automatically under basic road risk. You can usually add tools and equipment cover, which is well worth it for mobile traders carrying kit between jobs.
Can I get cover if I only valet at weekends?
Yes. Part-time and weekend valeters can get motor trade cover scaled to how much they trade. Be honest about your hours when you compare quotes.