Insurance for Motor Repairs

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Why do Motor Repair businesses need insurance?

Just because you are fixing up an unreliable car does not mean your insurance should be unreliable. We know your work can require long taxing hours that is why Bi-me wants to get you covered within minutes. We provide you with multiple competitive quotes from some of South Africa’s leading insurers and with a click you are covered.


What should I consider before purchasing insurance for my Motor Repair business?

Protecting your business from unexpected events and challenges is where business insurance comes into play, providing cover for when you need it most for things like theft, electronic equipment and public liability claims.

Fundamental insurance for insurance for Motor Repairs


Electronic Equipment

Electronic Equipment is important as many motor repair shops depend upon a full range of equipment which includes laptops, computers, and air conditioning.

These high-value items need to be specifically included in your business insurance policy to protect you in case of accidental damage due to flood, fire, snow, hail, wind, impact, explosion, subsidence, as well as malicious damage or theft and damage caused by power surges or power dips.

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Public Liability

Public Liability protects against the many possible accidents that can happen in a motor repairs environment.

The cover is designed to provide protection for you and your business in the event that a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

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Theft is one of the most common claims motor repair businesses file for. Your business might be the victim of theft or fraud from outside of your business or sometimes one of your employees may steal from you and you’ll need Employee Dishonesty cover.

The right business insurance will cover you against acts of theft and fraud, whether these come from your own employees or from outside of your business.

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Regularly selected insurance for Motor Repairs



Buildings are one of your most important assets. This insurance can protect your business from damage caused by unforeseen events such as fire, storm, earthquake, wind and more.

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Money insurance covers any loss of, or damage to, money your business might experience. Businesses that deal in cash are always at risk of having money stolen.

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Employee Dishonesty

Employee Dishonesty cover is important as your employees are fundamental to what your business does, but a few bad apples can be very damaging to your business.

Having protection against losses from employee theft or fraud is crucial for most motor repair businesses – especially when staff turnover is high.

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Business Interruption

Business Interruption is import for the continuity of any business. What happens if there are events out of your control (fire, storm, flood, etc.) which prevent you from operating your shop?

This type of insurance covers for financial loss as a result of an interruption to your business caused by an insured event (such as fire).

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Getting the right Insurance for Motor Repairs

Every mechanic and panel beater shop is unique, with each business having its own insurance needs and risks. Bi-me gives you access to multiple quotes to compare with some of South Africa’s top insurers, so you can choose the right cover to suit your business.

Our friendly team is only a phone call or a few clicks away to assist with getting your business covered in minutes.


Did you know?

If you are renting your business’s premises, part of your commercial lease may require you to take out glass cover.

Could this happen to my business?

Fiery fiesta

A customer brought his vehicle in for repairs, while busy working on the vehicle, there was a malfunction and the vehicle got further damaged by fire. The client successfully claimed for the damages from his insurance.

Like a thief in the night

A motor repair business was broken into during the night. The thieves broke the windows to get into the store and, stole equipment that was important to the operations of the business. The client claimed from their insurance company for the broken glass and theft of the equipment and was compensated for the loss.