Fleet & Motor

Motor Trade Insurance

Comprehensive protection for motor trade businesses including garages, dealerships, bodyshops, and mobile mechanics. Cover your premises, stock, and road risks under one specialist policy.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Motor Trade Insurance Cover?

Motor trade insurance is designed specifically for businesses that work with vehicles. Coverage options include:

Road Risk Insurance

Cover for driving customers' vehicles and your own trade plates. Essential for test drives, collections, and deliveries.

Combined Motor Trade

Comprehensive package including road risk, premises, stock, tools, and liability cover in one policy.

Premises Cover

Protection for your workshop, showroom, or forecourt against fire, flood, theft, and accidental damage.

Stock Cover

Insurance for vehicles held for sale, parts inventory, and accessories on your premises.

Tools & Equipment

Cover for workshop tools, diagnostic equipment, lifts, and specialist machinery.

Employers' Liability

Legal requirement if you employ staff – covers claims from employees injured at work.

Public Liability

Protection against claims from customers or members of the public injured on your premises.

Demonstration Cover

Insurance for vehicles being demonstrated to potential customers on test drives.

Legal Expenses

Cover for legal costs in disputes with customers, suppliers, or HMRC.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Trade-Specific Cover

Policies designed specifically for motor trade risks, not adapted from standard business insurance.

Flexible Driver Options

Named drivers, any driver, or trade-only options to match your business model.

Stock Protection

Comprehensive cover for vehicles on your premises whether for sale, repair, or storage.

Combined Policies

One policy covering road risk, premises, stock, and liabilities – simplified administration.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Car dealerships and used car traders
MOT stations and service garages
Bodyshops and paint specialists
Mobile mechanics and technicians
Vehicle valeters and detailers
Parts suppliers and breakers yards
Vehicle recovery operators
Classic car restorers

What We'll Need for Your Quote

1
Business type and activities undertaken
2
Premises details (owned/leased, size, security)
3
Maximum value of stock held on site
4
Number of employees and their roles
5
Driver details for road risk cover
6
Claims history for the past 5 years
7
Annual turnover
8
Trade body memberships (RMI, IMI, etc.)

Get Your Quote

Frequently Asked Questions

What's the difference between road risk and combined motor trade insurance?

Road risk only covers driving vehicles – ideal for mobile mechanics or traders without premises. Combined motor trade adds premises, stock, tools, and liability cover – essential if you have a workshop or showroom.

Can I cover customers' vehicles while in my care?

Yes, motor trade policies include 'custody and control' cover for vehicles left with you for repair, servicing, or sale. This protects against damage while the vehicle is in your possession.

Do I need separate employers' liability insurance?

Employers' liability is a legal requirement if you have employees. It can be included in a combined motor trade policy or arranged separately. The minimum cover required by law is £5 million.

What security do I need for motor trade insurance?

Requirements vary by insurer and stock value. Typically you'll need perimeter fencing, CCTV, intruder alarms, and secure key storage. Higher-value stock may require additional measures like tracking devices.

Can part-time traders get motor trade insurance?

Yes, policies are available for part-time traders, but you'll need to demonstrate genuine trade activity. Some insurers require a minimum number of transactions or turnover to qualify for trade rates.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.