Specialist motor traders insurance for car dealers, garages, mechanics, valeters and recovery operators, road risk or combined cover, full-time, part-time or working from home.
Specialist motor traders insurance for car dealers, garages, mechanics, valeters and recovery operators, road risk or combined cover, full-time, part-time or working from home.
Part-time tradersAny motor tradeConvictions considered
Road risk or combined
Speak to a specialist 0330 808 1117
Which motor trade are you in?
Which motor trade are you in?
Choose your trade to see cover built around the way you work.
Choose your trade to see cover built around the way you work.
What is motor trade insurance?
Motor trade insurance is specialist cover for businesses that buy, sell, repair, valet, recover or move vehicles. It lets you and your staff legally drive customer and stock vehicles on public roads (road risk), and can be combined with premises, stock, tools and liability cover in one motor traders insurance policy.
Driving vehicles you don’t own for your trade? A personal car policy won’t cover it, you need motor trade road risk cover.
This cover may be suitable for:
Car traders buying and sellingHome-based traders without premisesPart-time motor tradersGarages, bodyshops and MOT stationsValeters and detailersBreakdown and recovery operatorsTrade plate and delivery driversSpecialist policies for trades that move, fit or sell vehicles, plus the core ways to build your cover.
Specialist policies for trades that move, fit or sell vehicles, plus the core ways to build your cover.
Forecourt Trader
Cover for used car sales from a forecourt or pitch, including stock, road risk and liability.
Collection & Delivery
For trade plate drivers and transporters moving vehicles for dealers, lease firms and customers.
Mobile Installer
Cover for fitting tyres, glass, audio, trackers and accessories at customers’ locations.
Road Risk Only
Drive customer and stock vehicles on public roads, ideal for motor trade insurance without premises.
Combined Motor Trade
Road risk plus premises, stock and liability in one policy for garages and dealerships. Tools cover can be added.
Part-Time Motor Trade
For genuine traders buying, selling or repairing vehicles alongside another job.
What does a combined motor trade policy include?
What does a combined motor trade policy include?
Road risk is the legal minimum for driving vehicles you don’t own. Combined cover adds the business protection most garages and dealers need.
Road risk is the legal minimum for driving vehicles you don’t own. Combined cover adds the business protection most garages and dealers need.
Lets you and named drivers legally drive customer, stock and trade vehicles on public roads, on third party, TPFT or comprehensive cover.
Specialist Broker
Road risk only vs combined motor trade insurance
Road risk only vs combined motor trade insurance
Road risk insurance covers you to drive vehicles in your custody on public roads, and is all many home-based traders need. Combined motor trade insurance adds premises, stock and liability cover for traders with a unit or staff, and tools cover can be added.
Road risk insurance covers you to drive vehicles in your custody on public roads, and is all many home-based traders need. Combined motor trade insurance adds premises, stock and liability cover for traders with a unit or staff, and tools cover can be added.
| What’s covered | Road risk only | Combined |
|---|---|---|
Driving customer and trade vehicles | Yes | Yes |
Demonstration and test drives | Available as an option | Available as an option |
Public liability | Not included | Included |
Products liability (parts fitted, vehicles sold) | Not included | Included |
Premises and buildings | Not included | Included |
Vehicles held in stock on site | Not included | Included |
Tools and workshop equipment | Not included | Can be added |
Employers’ liability | Not included | Included if you employ staff |
Top Tip
Working from home with no premises? Road risk only is often enough. Once you have a unit, staff or stock on site, a combined policy keeps everything under one renewal.
How much is motor trade insurance?
How much is motor trade insurance?
There’s no fixed price for motor trade insurance. Your premium depends on your postcode, your trade, whether you choose road risk only or combined cover, your drivers’ ages and experience, and the value and security of your stock.
There’s no fixed price for motor trade insurance. Your premium depends on your postcode, your trade, whether you choose road risk only or combined cover, your drivers’ ages and experience, and the value and security of your stock.
Policy type and trade
Insurers look at the trade you are in and whether you need road risk only or combined cover.
Worth knowing:
Only buy the covers you need
Part-time or full-time
Insurers will ask whether you trade part-time or full-time and how many vehicles you handle.
Worth knowing:
Declare accurate trading hours
Drivers and experience
Insurers look at your drivers’ ages and experience. Any-driver cover is only available on a combined policy.
Worth knowing:
Name everyone who will drive
Stock, premises and security
The value of vehicles on site and how they’re secured overnight affect the price of combined cover.
Worth knowing:
Improve site security
Why use a specialist motor trade insurance broker?
Why use a specialist motor trade insurance broker?
Motor trade insurers vary widely on trades, ages and convictions. As a specialist broker, we compare motor trade policies from insurers who understand your trade, so you’re not stuck with one quote.
Motor trade insurers vary widely on trades, ages and convictions. As a specialist broker, we compare motor trade policies from insurers who understand your trade, so you’re not stuck with one quote.
Tell us about your trade
Share what you do, where you work from and who drives.
We check the details
An adviser calls to confirm your vehicles, premises and cover needs.
We search specialist insurers
We compare road risk and combined options from motor trade insurers.
Get covered and trading
Choose your policy and receive your documents so you can get on the road.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From home-based traders to garages and dealerships, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From home-based traders to garages and dealerships, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
Motor trade guides, resources & tools
Motor trade guides, resources & tools
Practical help for traders choosing, using and claiming on motor trade insurance.
Practical help for traders choosing, using and claiming on motor trade insurance.
Insurance Revolution’s Guide to Motor Trade Insurance Policies
The motor trade industry is diverse and complex, encompassing everything from car dealerships and repair shops to valeting services and vehicle recovery businesses. Whether you’re buying and selling vehicles, offering repairs, or running a garage, motor trade insurance is a crucial component of protecting your business.
Common Motor Trade Insurance Claims and How to Avoid Them
Running a motor trade business comes with daily risks. Whether you operate as a used car dealer, mechanic, vehicle valeter, MOT centre, or mobile repair specialist, accidents can happen when you least expect them.
Why Would I Need Motor Trade Insurance?
“Do I or do I not need to take to motor trade insurance policy?” most of the motor traders are in this constant dilemma with the insurance scheme and are kind of clueless what benefits they would be getting by opting for the motor trade insurance. The law demands every motor trader to sign up with motor trade insurance policy and any negligence here would amount to violating the law.
Why Public Liability Insurance Is Crucial for Car Forecourt Traders
As a car forecourt trader, you’re not just selling vehicles; you’re inviting potential buyers onto your premises, where they interact with your staff, inspect vehicles, and often test drive them. While this activity is essential for your business, it also introduces various risks. This is where public liability insurance becomes crucial, alongside having the right level of forecourt cover.
Understanding Motor Trade Insurance as a Small Business Owner
As a small business owner in the motor trade industry, it’s crucial to understand the importance and nuances of motor trade insurance. Whether you’re selling vehicles, offering repair services, or dealing with vehicle parts, having the right insurance coverage can protect your business from a variety of risks.
Navigating the Road to Secure Trade: Unveiling the Considerations of Motor Trade Insurance
Opening your garage, paint shop, or car lot is exciting. However, many hidden pitfalls can cause you to blow out and take your business off the road. In this 2-minute read, we’ll highlight the different types of motor trade business insurance you need to protect your business should something unexpected happen.
What Are The Different Trades Covered Under Motor Trade Insurance?
Motor trade insurance is a legal requirement when you are in a motor trade business. You will have to sign up for a motor trade insurance policy if your business involves having clients’ vehicles under your custody, care or control. These would apply to businesses engaged in auto sales, including both new and pre-owned vehicles
Motor trade insurance FAQs
Motor trade insurance FAQs
Answers to the questions traders ask most about cover, cost and eligibility.
Answers to the questions traders ask most about cover, cost and eligibility.
Motor trade insurance is specialist cover for businesses that buy, sell, repair, valet, recover or move vehicles. It lets you drive vehicles you don’t own for trade purposes and can also protect your premises, stock, tools and liability in one policy.
Still not sure which cover you need?
Our motor trade specialists can talk you through road risk, combined cover and the extras that suit your trade.
