Motor Trade

Our Motor Trade insurance for motor traders covers a wide range of businesses of all sizes and can be tailored to specific individual requirements. By using our experience of the motor trade and finding out about your particular requirements, we are able to compare a variety of combined motor trade insurance policies on your behalf and find the most suitable for the best price.

Off the shelf insurance policies may not give you the cover you need. For example, some insurers require all tool boxes to be securely locked and fixed to the fabric of your building overnight, should you not comply with this requirement, you may encounter problems in the event of a claim.

Type of business to be insured

Our motor trade insurance policy covers:

• Vehicle repairers and servicers
• Body shops
• HGV Service and Repair
• Car dealerships

What’s covered as standard?

Our policies cover you for the business assets, earnings and liabilities, for example:

• Loss or damage to property, contents, vehicles and stock
• Inflation protection
• Seasonal increases of the vehicle sum insured
• Material damage
• Motor vehicle road risks
• Public and products liability
• Commercial legal expenses
• Legal advice helpline

Optional cover available

You can also benefit from a range of optional covers such as:

• Self-drive vehicle hire
• MOT loss of licence
• Plant and machinery
• Employers liability
• Business interruption
• Loss from buying a vehicle not legally owned by the seller
• Acts of fraud by employees
• Personal accident
• Directors and Officers liability
• Statutory inspections of plant at the required intervals
• Unaccompanied demonstration cover
• New for old if vehicle is less than 12 months old
• Theft not involving forcible entry or exit from premises

As motor trade insurance brokers, we select the most suitable policy from our pool of motor trade insurers and can to tailor the cover to your exact requirements and add any optional extras you may need.