Garage liability is a label often encountered in motor-trade insurance discussions. It does not specify one universal package for Australian workshops; customer vehicles, repair work, public liability and motor use may sit in different sections.
The distinction that matters
A policy for the workshop building does not establish cover for a customer’s car, a test drive or a completed repair. State the activities and ownership of the property involved.
What to check
- Customer vehicle custody limits.
- Road testing and permitted drivers.
- Completed-work and supplied-part allegations.
- Mobile work and workshop property.
Example to discuss
Ask how a vehicle damaged during a test drive differs from damage caused by an alleged repair error after handover. The relevant policy sections may differ.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.