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0429 615 514

Email
accounts@affinitymc.com.au

Address
PO Box 1297, Bundoora VIC 3083

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Automotive Business Insurance Brokers

Insurance solutions for mechanics, smash repairers, panel beaters and automotive businesses across Australia.

From vehicles in your care to workshop equipment, business property and liability exposures, automotive businesses face risks that require careful consideration.

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INSURANCE FOR THE AUTOMOTIVE INDUSTRY

Insurance That Understands Your Automotive Business

Running an automotive business involves more than repairing and servicing vehicles. You're responsible for valuable equipment, specialist tools, customer vehicles and the day-to-day operation of your workshop.

An unexpected fire, damaged customer vehicle, equipment breakdown or liability claim can disrupt your operations and create significant financial costs.

Whether you're an independent mechanic, an established smash repairer or a growing automotive service business, the insurance you require will depend on the services you provide, the vehicles you work on and how your business operates.

At AMC Insurance Brokers, we take the time to understand your workshop activities, identify relevant insurance considerations and explore options from suitable insurers.

Your Liability

Working on vehicles owned by customers can create exposures involving accidental damage, theft, road testing and certain legal liabilities. Specialist cover may be needed, depending on the circumstances and policy.

Your Property & Equipment

From hoists and diagnostic equipment to tools, spare parts and workshop premises, automotive businesses rely on valuable assets that may require protection against specified insured events.

Your Business & Operations

Fire, theft, machinery breakdown and other unexpected events can interrupt workshop operations. Appropriate insurance may help manage certain financial consequences of insured incidents.

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COVERAGE DETAILS

What Insurance Does an Automotive Business Need?

Insurance requirements can vary significantly between a mechanical workshop, smash repair centre, tyre retailer and specialist vehicle service provider.

AMC Insurance Brokers can help you explore a range of insurance products relevant to your business activities.

Motor Trade Insurance

Specialist cover may be available for customer vehicles, stock vehicles, road testing and other insured motor trade activities.

Business Pack Insurance

Combine selected cover for workshop property, contents, stock, theft and other insured business risks under one policy.

Public & Products Liability

Cover for certain third-party injury or property damage claims arising from insured business activities or products.

Commercial Motor & Fleet

Insurance options for workshop vehicles, courtesy cars, tow trucks and other eligible business vehicles.

Machinery Breakdown

Cover may be available for specified sudden breakdown of insured hoists, compressors and other workshop machinery.

Tools & Equipment

Cover options for insured tools, diagnostic equipment and portable business property, including eligible items used off-site.

Customer Vehicles in Care

Specialist cover may be available for certain loss or damage to customers' vehicles while stored, serviced or repaired.

 

Business Interruption

Cover may be available for certain financial losses following insured events that interrupt business operations, subject to the applicable insured damage trigger, indemnity period and policy conditions.

Coverage descriptions are general information only. Availability, limits, excesses, exclusions and claims conditions vary by insurer and policy. Not all covers are included in a single insurance package.

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TARGET MARKET

Who do we help?

From general mechanical repairs to specialist vehicle services, automotive businesses have different equipment, liability and customer vehicle exposures.

Mechanics

Insurance options for general mechanics, vehicle servicing centres, engine repairers and mechanical workshops, with consideration for workshop property, tools, customer vehicles and road testing.

 

Auto Electricians

Insurance options for auto electrical businesses, diagnostic specialists, air-conditioning technicians and other specialist automotive repair services, taking account of their equipment and work activities.

Smash Repairers

Insurance for smash repair centres, panel beating businesses and automotive refinishing workshops, including consideration of customer vehicles, spray painting operations and specialised equipment. 

 

Tyre & Wheel Service Centres

Insurance solutions for tyre retailers, wheel alignment businesses, brake specialists and automotive service centres, including stock, equipment, liability and relevant motor trade exposures.

 

 

Work in an Automotive Business Like These?

Arranging automotive business insurance shouldn't mean navigating complex policy wording on your own. We help you understand available cover options and important differences between policies.

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SPECIALIST RISKS

Understanding Automotive Insurance

Are Your Customers' Vehicles Covered While in Your Care?

When customers leave their vehicles at your workshop, you may be responsible for them while they're being inspected, serviced, repaired, stored or moved.

However, a standard Business Pack or Public Liability policy should not be assumed to cover every incident involving a customer's vehicle.

Depending on the policy, specialist motor trade cover may be available for certain insured events involving vehicles in your care, custody or control, including specified accidental damage, theft or incidents during authorised road testing.

Important considerations include:

  1. Whether customer vehicles are covered while stored at the workshop.
  2. Whether authorised road testing or vehicle collection and delivery is insured.
  3. How the policy responds to accidental damage during repair or servicing.
  4. Whether there are exclusions for faulty workmanship, defective parts or damage to the part being worked on.
  5. The limits, excesses and security conditions applying to customer vehicles.  

At AMC Insurance Brokers, we help automotive businesses understand these distinctions when considering insurance options.

 

OUR COMMITMENT TO YOU

Why choose AMC Insurance Brokers?

Insurance shouldn't be complicated, time-consuming or leave you wondering whether you've made the right choice. At AMC Insurance Brokers, we make arranging and managing your insurance simpler, with responsive service, access to a range of insurers and personal support when it matters.

 

Same Day Quotes 

Don't waste days waiting for an insurance quote. We aim to provide same-day quotes for eligible enquiries, helping you get on with business without unnecessary delays.

Competitive Cover

We approach suitable insurers and compare available options, helping you understand the cover, costs and key differences before making a decision.

Real Claims Support

When something goes wrong, you want someone in your corner. We assist with the claims process, communicate with insurers and help you understand the next steps.
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