Workshop & Repairs Insurance
Protecting the businesses that keep South Africa moving. Specialist insurance designed specifically for the motor repair industry.
From independent mechanics to large repair centres, workshops face daily risks involving customer vehicles, equipment, fire, theft, employee negligence, and liability claims. Workshop & Repairs Insurance is designed specifically for businesses operating in the motor trade industry.
Whether you operate a mechanical workshop, panel beating business, tyre fitment centre, auto-electrical workshop, or service centre, having the correct insurance protection is critical to protecting your reputation, cash flow, and operations.
Who This Cover Is For
Professional protection for every tier of the repair industry.
Key Benefits
Customer Vehicle Protection
Cover for accidental damage, fire, theft, or hijacking involving vehicles under your care, custody, or control.
Workshop Equipment Cover
Protection for tools, diagnostic machines, lifts, compressors, office contents, and workshop equipment.
Fire & Explosion Cover
Protection against fire, explosions, smoke damage, and related incidents that could disrupt operations.
Business Interruption
Helps protect your income if your workshop cannot operate following an insured event.
Public Liability
Protection against claims from customers or third parties for injury or property damage arising or your operations.
Theft & Burglary
Cover for stolen tools, equipment, parts, and damage caused during break-ins.
Employee Negligence
Protection where mistakes during repairs or servicing result in damage to customer vehicles.
Goods in Trust
Cover for customer property and vehicles kept on-site for repairs or servicing.
Common Claims Scenarios
A customer vehicle is damaged while being test driven.
Fire spreads through the workshop causing extensive damage to equipment and vehicles.
Expensive diagnostic equipment is stolen during a burglary.
Incorrect repairs result in engine damage to a client vehicle.
A customer slips and falls inside the workshop reception area.
Vehicles stored overnight are damaged during severe weather.
Why Motor Trade Businesses Need Specialist Cover
Standard business insurance often excludes key motor trade risks. Workshops deal with high-value customer vehicles every day, which creates unique exposure that requires specialised insurance wording.
Optional Extensions
Why Choose MotorTradeCovered
At MotorTradeCovered, we understand the unique risks faced by South African motor trade businesses. We help independent workshops, multi-branch repair centres, and specialist fitment businesses structure practical insurance solutions.
Independent Workshops
Custom protection for owner-operated mechanical shops.
Multi-branch Repair Centres
Scalable solutions for automotive groups and franchises.
Specialist Fitment Businesses
Tyre, battery, and accessory shop protection.
Panel & Auto-Electrical
Deep structural and technical risk coverage.
Get a Quote
Protect your workshop, your customers' vehicles, and your business reputation with specialist Workshop & Repairs Insurance.
MotorTradeCovered.co.za