Insurance options for Motor Trade Sector

The motor trade industry in the UK encompasses a wide range of businesses involved in the sale, repair, servicing, and maintenance of vehicles. Given the diverse nature of this industry, there are various insurance needs that motor trade businesses should consider. These insurance policies help protect businesses, employees, and customers from potential risks and liabilities.

  • We can evaluate your current covers and policy limits
  • Recommend covers to adequately protect your business
  • Compare quotes from multiple insurance companies
  • Advice on cost-saving strategies
  • Provide ongoing support


  • Vehicle Repair and Servicing
  • Car Dealerships
  • MOT Testing Centres
  • Car Valet and Detailing Services
  • Car Auctions
  • Vehicle Recovery and Breakdown Services
  • Vehicle Import/Export Businesses
  • Vehicle Rental Businesses
  • Vehicle Restoration Shops
  • Mobile Mechanics
  • Tyre Fitters and Retailers
  • Salvage Yards and Scrap Dealers
  • Vehicle Parts Retailers

insurance options for Motor Trade Sector:

Motor Trade Insurance

This is a legal requirement for motor traders, providing coverage for vehicles in their custody, control, or ownership. It covers damages to vehicles while being driven on public roads, as well as theft and fire damage.

Employers’ Liability Insurance

This is a legal requirement for businesses with employees. It provides coverage in case an employee suffers injury or illness as a result of their work and seeks compensation.

Public Liability Insurance:

Protects your business against claims from third parties for injury or property damage that occurs on your premises or as a result of your operations.

Product Liability Insurance:

Important if you sell or supply vehicle parts, as it covers you in case a faulty product, which may cause injury or damage to a customer’s vehicle.

Buildings and Contents Insurance

Covers your premises, equipment, and stock against damage or theft. It may also cover business interruption expenses in case your premises become inhabitable.

Business Interruption Insurance

Helps cover financial losses if your business is unable to operate due to an insured event, such as fire or flood.

Tools and Equipment Insurance

Provides coverage for your valuable tools and equipment used in vehicle repairs and servicing.

Goods in Transit Insurance

Covers vehicles transporting vehicles or parts for sale or repair against theft, damage, or loss.

Stock Insurance

Protects your inventory of vehicles or parts against damage, theft, or loss.

Road Risks Insurance Extensions

Covers your employees when they are driving or working on customer vehicles, as well as those owned by the business.. Some policies may offer additional coverage options, such as breakdown cover, legal protection, and courtesy vehicles.

Business Legal Protection Insurance

Provides legal assistance and coverage for legal expenses in case of disputes or legal issues related to your business operations.

Cyber Insurance

In the digital age, businesses are vulnerable to cyberattacks. Cyber insurance can help protect your business against data breaches and related liabilities.

Your insurance needs may vary depending on your trade, business structure, and location.
Contact us to assess your needs and we will find suitable covers for your specific business.

Contact us