A motor mechanic operating a busy workshop servicing customer vehicles in suburban Queensland.

Like many in the automotive repair industry—including mechanics, auto electricians, and tyre shops, this client was unaware of the difference between a ‘Driving Risk Extension’ under their liability policy and a full ‘Customers Vehicles Cover’.

When they shared their existing insurance documents with us, we quickly identified that their policy only included the driving risk extension. This meant their coverage was limited to incidents involving negligence, such as damage caused while test-driving a vehicle. However, other risks like hail damage or another vehicle colliding with a customer’s car would likely not be covered.

Driving Risk Extensions are often misunderstood. They provide limited protection and typically only respond to claims involving negligence. In contrast, a comprehensive Customers Vehicles Cover acts more like a motor policy for customer vehicles, offering broader protection against accidental damage, weather events, and more.

We explained the differences in coverage to the client and recommended a policy that included full Customers Vehicles Cover. Not only did this provide significantly better protection, but the premium was also lower than what they were paying with their previous provider.

The client gained a clearer understanding of their insurance and secured more comprehensive coverage at a reduced cost. They now have peace of mind knowing their customers’ vehicles are properly protected while in their care.

Business owners in the automotive repair industry should not navigate insurance alone. Working with an experienced broker ensures they understand their coverage and receive tailored advice. In this case, our expertise helped the client avoid underinsurance and save on premiums.