Yes, it is possible to get mechanic’s insurance without a premises. This type of insurance is often referred to as “road risk” insurance and it is designed to cover mechanics and other motor trade professionals who work from home or travel to different locations to carry out their work.
Road risk insurance can provide coverage for risks such as damage to customers’ vehicles, accidents that occur while test driving customer cars, and theft of tools and equipment from a vehicle or home.
While road risk insurance is designed for businesses that don’t have a fixed premises, it can also be suitable for businesses that have a workshop or garage that they use infrequently. For example, if a mechanic has a workshop at home but also carries out work at customer locations, road risk insurance may be the best option.
Many part time motor traders operate from home at the weekend so it is quite common to gain a policy without a premises.
For those who do operate from a garage though, they may want to check out combined insurance that will insure both their work and their premises.