Motor trade insurance

Insure your motor trade business with zero hassle

In partnership with some of the leading UK insurers, we’ll not only get you a better motor trade insurance deal with the best cover available, we will work hard to keep you as a customer year after year.

We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable motor trade insurance prices. Complete a quote form in a matter of minutes.

With over 50 years of experience providing top-quality insurance for the motor trade, you can be sure we’ve got you covered.

24 7 claim cover icon
24/7 claims service

We’re here for you round the clock
when you need us most.

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Fairer prices for all

We only provide cover for good
drivers, so you’ll get a better deal.

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Carbon offsetting

We’ll plant trees to clean up after
your motor trade work. Seriously!

Quality motor trade cover whatever you do

motor trade cover for part-time traders
Part-time traders

Part-time traders insurance to protect you when buying, selling or repairing vehicles in the motor trade.

Motor trade cover for service and repair garages
Service and repair garages

Service and repair garage insurance for your garage, employees and customer vehicles in your custody.

Motor trade for recovery operators
Recovery operators

Vehicle recovery insurance for recovery operators. Including vehicle and business premises protection.

Motor trade for mobile mechanics
Mobile mechanics

Mobile mechanic insurance for working on, testing and driving other people’s cars.

Motor trade for tyre fitters
Tyre fitters

Tyre fitter insurance for protection when working on and moving other people’s vehicles.

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Valeters

Valeters insurance for protection when cleaning and detailing customers’ vehicles.

* Subject to your chosen level of policy cover and the prevailing policy excess.

What is motor trade insurance?

It is a specialised type of cover designed specifically for businesses and individuals operating within the motor trade industry. This includes selling, repairing, servicing, or even valeting cars.

The primary purpose of this insurance is to offer protection against the unique risks associated with handling multiple vehicles and dealing with the public. It offers a range of policies tailored to meet the specific needs of a motor trade business.

Motor trade insurance is not just a legal requirement for many businesses but also a crucial risk management tool. Without proper insurance, a business could face significant financial losses from accidents, theft, or damages. Here are some key reasons why cover insurance is vital:

  • Legal compliance: It ensures that your business adheres to legal requirements, avoiding hefty fines and penalties.
  • Financial protection: Safeguards your business against the financial fallout from accidents, theft, and other unforeseen events.
  • Peace of mind: Allows you to focus on running your business without constantly worrying about potential risks and liabilities.

Who needs insurance?

It’s essential for anyone operating in the motor trade industry. This includes, but is not limited to:

  • Mobile mechanics, tuners and fitters: For professionals who work on vehicles at various locations.
  • Car dealerships: Whether selling new or used cars, dealerships require cover for the vehicles on their lot and during test drives.
  • Mechanics and garages: Protection for vehicles having MOTs, being repaired, serviced, or stored.
  • Vehicle recovery services: Cover for towing and recovery operations.
  • Valeters and detailers: Insurance for vehicles in their care for cleaning and detailing.
  • Tyre fitters: For mobile fitters or motor traders with premises.
  • Part-time traders: For those buying, selling or repairing vehicles from home or as additional work.

Types of cover

Road risks insurance

Road risk insurance is a fundamental component of motor trade insurance. It allows traders to legally drive vehicles on public roads for purposes such as test drives, deliveries, or customer collections. There are three levels of road risks cover:

  1. Third-party only (TPO): Covers damage to other people’s property or injury to others. It’s the minimum legal requirement.
  2. Third-party, fire and theft (TPFT): Includes TPO cover and adds protection against fire damage and theft of vehicles.
  3. Comprehensive: Offers the highest level of protection, covering third-party risks, fire, theft, and damage to the trader’s vehicles.

Combined insurance

Combined motor trade insurance provides broader cover, encompassing road risks and additional protections such as:

  • Business interruption: Covers lost income and additional expenses if your business is unable to operate due to an insured event.
  • Premises insurance: Protects business premises against risks like fire, theft, and damage.
  • Material damage: Cover damage to any vehicles or equipment stock on your business premises.
  • Employer’s liability: Mandatory for businesses with employees, covering workplace injuries or illnesses.
  • Public liability: This covers legal costs and compensation if your business activities injure a member of the public or damage their property.
  • Tools and equipment: Protection for the tools and machinery essential to your operations.
  • Extra drivers: Cover for employees who may be driving customers’ cars.

How much does motor trade insurance cost?

Typically, motor trade insurance premiums can range from a few hundred to several thousand pounds annually, influenced by the cover level and specific details of your business.

Key factors affecting how much motor trade insurance costs:

mobile mechanic insurance level of cover
Type of cover

Is the level of cover selected third-party only (TPO), third-party, fire and theft (TPFT) or comprehensive.

mobile mechanic insurance nature of business
Nature of business

The specific operations of your motor trade business play a significant role in determining your insurance premium.

mobile mechanic insurance location
Location and security

Where your business operates and the security measures you have in place can affect insurance premiums.

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Vehicles covered

The types of vehicles you deal with can significantly impact your insurance costs. For example standard vs classic or vintage cars.

mobile mechanic insurance driver details
Driver details

The profiles of individuals named on your policy are critical. Age, driver experience, driving history and the number of drivers can all impact.

mobile mechanic policy customisation
Policy customisation

Tailoring your insurance policy to fit your business needs can influence costs. Adding additional cover such as liability or tools cover.

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Some questions that people like to ask us about motor trade insurance

What is the MID?

Should I add every vehicle to the MID?

Do I need to add my customers’ vehicles or stock vehicles to the MID?

Do I have a period of grace to add a vehicle to the MID?

How do I update the MID?

Who will I actually be insured with?

Can I trust you?

Whether you’re buying and selling the odd vehicle to earn extra cash or have an established MOT and service station, we understand that you need to protect your livelihood.

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