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Auto Electricians Insurance

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Auto electricians insurance

Auto electricians insurance NZ

Auto electrician insurance is a specific type of business insurance tailored to meet the unique needs of auto electricians. Just as cars have specific parts to keep them running, auto electrician insurance has specific components to protect professionals from potential risks associated with their work. It offers coverage against risks like accidental damages, theft of tools, injury to a third party, or damage to a client's vehicle while under repair.

Why is auto electricians insurance important? 

Being an auto electrician comes with certain risks. Your business is exposed to potential legal claims, accidents, and financial burdens. Auto electrician insurance is designed to shield you and your business from these unpredicted events. It provides peace of mind, ensuring that should anything unexpected occur, you won’t have to bear the financial brunt on your own.

In New Zealand, the average cost of auto electricians insurance typically ranges between $150 – $250 per month. 

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It’s crucial to have auto electricians coverage if your business:

  • Handles high-value vehicles
  • Uses specialized tools
  • Operates in multiple locations
  • Employs other electricians

What covers are typically included in auto electricians insurance? 

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Public Liability

This policy covers common auto electricians business risks including bodily injuries and customer property damage. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection
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Statutory Liability

This cover is a type of protection that helps auto electrician businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties
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Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for auto electricians and personal activities. It can also plant or equipment that is permanently fixed to the vehicle. 

Best For
  • Repair costs
  • Third party damages
  • Injuries 
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Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.


Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime
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Tool Insurance

Safeguards your auto electrician business tools, plant & equipment against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover
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Employers Liability

This insurance helps protect auto electricians businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

How much does auto electricians insurance cost?

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Auto electricians insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Auto electricians insurance in NZ typically costs between $150 to $250 per month

Who needs auto electricians insurance?

Any individual or business involved in the repair, servicing, or maintenance of vehicle electrical systems needs auto electrician insurance. This includes:

  • Independent auto electricians.
  • Auto electrician firms with multiple employees.
  • Mobile auto electricians who visit clients.
  • Specialists working only on certain vehicles.

Auto electrician insurance can provide coverage for a range of incidents, such as damage to a client’s vehicle, theft of tools or equipment, injury caused to a third party, and legal costs arising from potential claims against your business.

Absolutely. Every business is unique, and insurance can be tailored to match your specific needs. It’s essential to work with a trusted insurance broker, like Gerrards, to ensure you’re getting the appropriate coverage.

How do I get proof of auto electricians insurance

You can usually get proof of insurance same day when you purchase insurance through Gerrards.

Acquiring a auto electricians insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our auto electricians insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does auto electricians insurance not cover?

Intentional damage or misconduct

Insurance won’t cover damages or losses resulting from deliberate actions or violations of the law.

Normal wear and tear

The usual deterioration of tools or equipment over time isn’t covered.

Contractual liabilities

If you’ve accepted liability in a contract (beyond what you’d be liable for under general law), your insurance might not cover it.

Other common questions about auto electricians insurance

Yes, many insurance policies offer the option to cover your employees, providing protection against potential claims arising from their work.

This depends on the policy. Some offer coverage for work done internationally, while others are limited to NZ. Always clarify this with your broker.

It’s a good practice to review your policy annually or whenever there are significant changes to your business, ensuring you always have adequate coverage.

Typically, most auto electrician insurance policies in NZ include coverage for legal fees arising from covered claims. However, always check your specific policy details.

Do I still need insurance? Yes, even part-time professionals are exposed to risks. It’s crucial to have coverage, regardless of the hours you work.

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