Motor Trade Insurance

Motor Trade InsuranceThe policies we source can be arranged to cater for a range of businesses, from home-based traders through to gleaming dealerships. We can also arrange cover for associated trades including windscreen fitters, car valets and much more besides.

Our policies cover:

  • Road Risks – ‘comprehensive’, ‘third party, fire & theft’ and ‘third party only’ options available
  • Public Liability
  • Sales & Service Indemnity
  • Employers’ Liability
  • Garage Contents

We make it easy for your business to do more with us – by giving you direct contact with knowledgeable, experienced underwriting teams in your region.


  • The Motor Trade Policy covers:
  • Material Damage All Risks
  • Business Interruption
  • Goods in Transit
  • Loss of Business Money
  • Personal Accident (Assault)
  • Employers Liability
  • Public Liability
  • Defective Workmanship/Sales Indemnity
  • Legal Expenses
  • Wrongful Conversion
  • Embedded Engineering Cover
  • Road Risks cover


Optional Covers

  • MOT Loss of Licence
  • Loss of Tax discs
  • Unaccompanied Demonstration
  • Loan & Hire
  • Flat Rated Engineering Inspection cover



  • A good claims experience along with quality features will provide you with our best price for your client
  • Fact finder to assist Broker present “Quality Risks” and gain pricing advantage
  • Examples of quality features include:

- In business for more than 2 years

- With a good claims experience

- Risks that operate from a commercial                       premises situated away from a private dwelling

- No road risks in isolation


Auto Electricians, Car Sales (New and Used), Car Body and Rrepair Shops, Motorcycle Sales.

But will also provide you with our best pricing for our Standard Trades: Windscreen Fitters, Tyre and Exhaust Fitters, Paint Sprayers,

Motor Factors, LPG Conversions, Caravan Sales, Car Supermarkets.


  • New Replacement Vehicle (Insured’s Vehicle)
  • Contract Price cover
  • Financial Loss (New and Unused Vehicles)
  • Loss of Metered Water
  • Trace and Access cover
  • Seasonal Increase (Insured’s Vehicles)
  • Road Risks policy will be available on a no claims bonus scale
  • Loan and Hire and Unaccompanied demonstration covers available
  • Free embedded Engineering cover
  • Flat rated Engineering Inspection cover rated per premises
  • Free Legal Expenses cover

What We Cover

  • Full or part-time motor trader
  • Employed or self-employed
  • Working from home or premises
  • Age 25+
  • Need cover for own vehicles and/or customers vehicles
  • Named drivers & Open driving cover is available

Features & Benefits

  • Excellent cover and policies – to suit varying requirements.
  • Competitive rates.
  • Expertise & experience. There’s little we don’t know about this business.It’s all we do.

Just one easy number 01733 263311.

Throughout our range of policies you’ll find many features that are specially designed for the smaller motor trader:

  • Cover at home, at business premises or mobile.
  • Various payment options.
  • An introductory bonus based on proven NCD from private or commercial policies.
  • Protected NCD: In the event of a claim, only part bonus is lost on some contracts.
  • Most second occupations (if self-employed) can be included.
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