Specialist cover for businesses that work with vehicles. Road risk, premises liability, tools, and customer vehicle protection. Bespoke policies from insurers who understand the trade.
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Stock, premises, test drives, customer vehicles on your forecourt, and demonstration cover.
Road risk for customer vehicles, premises cover, public and employers liability, tools and equipment.
Vehicle in care cover, public liability, and road risk for testing. Essential for any MOT operation.
Customer vehicles in your care, premises cover, liability, and tools. Tailored to spray and repair risks.
Stock cover, premises, customer liability, and business interruption if your operation is disrupted.
Tools and equipment, public liability, road risk, and cover for working at customer locations.
Driving customer vehicles for test drives, repairs collection, and delivery. Covers damage to the vehicle and third-party liability.
Protection for customer vehicles on your premises — being repaired, serviced, stored, or awaiting collection.
For dealers: taking customers out in vehicles to demonstrate. Covers you and third-party risks.
For dealers: protection for your inventory on the forecourt, showroom, or storage. Covers fire, theft, and damage.
Workshop, garage, showroom, and storage buildings. Coverage for buildings, contents, and business equipment.
Liability if a customer or employee is injured. Essential for any motor trade business.
Specialist equipment used in your trade. Coverage for tools in your workshop or mobile van.
Income protection if your business is disrupted by fire, flood, or other covered incidents.
Cover when driving customer vehicles. Third-party liability, damage to the vehicle, own vehicle damage if applicable.
Vehicles on your premises whilst in your care. Covers fire, theft, malicious damage, and accidental damage.
If a customer is injured on your premises or due to your work. Up to £10m cover.
If an employee is injured. Statutory requirement if you employ anyone.
Specialist equipment used in your business. Usually portable items up to a set value.
Loss of income if fire, flood, or other covered incident closes your business temporarily.
15+ years of motor trade experience. We know the difference between road risk, vehicles in care, and premises cover. No gaps.
Our panel includes Aviva, Zurich, Allianz, and QBE — all with appetite for motor trade. Best rates and cover.
When things go wrong, we handle it. Claim on a customer vehicle? We negotiate and follow through.
Every garage and dealer is different. We tailor cover to your specific risks — no one-size-fits-all nonsense.
Customer brings in a BMW for respray. While in your care, it's damaged by another vehicle in your yard. Standard policies often exclude this. Our policies cover it. We've handled hundreds like it.
During an MOT road test, you're involved in a collision. Who's liable? Third-party injuries? We've negotiated these claims and got our clients back on the road.
Motor trade insurance is specialist cover designed for businesses that work with vehicles — garages, dealers, MOT centres, body shops, and mobile mechanics. It covers specific risks standard business policies don't: driving customer vehicles, storing vehicles in your care, working on customers' property, and liability for vehicles you handle. It's not fleet insurance (which covers vehicles you own) — it's about protecting your business when you work on or handle other people's vehicles.
Road risk cover protects you when you're driving a customer's vehicle. This might be for a test drive before repair, a collection, or a delivery. It covers damage to the customer's vehicle, third-party injury or property damage, and your own legal liability. It's essential if you ever drive customer vehicles — even a short test drive — as standard business insurance doesn't cover this.
Yes, absolutely. Mobile mechanics need motor trade insurance to cover: driving customer vehicles (including from their home to your workspace), tools and equipment carried in your van, public liability if you're working at a customer's location, and sometimes employers liability if you have staff. It's just as important as for a fixed workshop — arguably more so, because you're working across multiple locations.
Fleet insurance covers vehicles your business owns — company cars, vans, lorries, etc. Motor trade insurance covers your liability when working with customer vehicles — you're not the owner. The risks are fundamentally different: fleet is about protecting your assets; motor trade is about protecting your business when you service, repair, sell, or handle other people's vehicles.
Yes — this is a core part of motor trade insurance. "Vehicles in care" cover protects customer vehicles whilst they're on your premises being repaired, serviced, stored, or awaiting collection. It covers damage from fire, theft, malicious damage, and sometimes accidental damage. This is one of the key differences between motor trade insurance and standard business policies.
Cost depends on several factors: your business type (dealer vs. garage vs. MOT centre), annual turnover, number of employees, number of vehicles you handle annually, your claims history, and the cover you choose. Garages typically pay £500–£2,500 per year. Dealers might pay £1,000–£5,000+. Mobile mechanics often pay £400–£1,200. Get a quote for your specific situation — we'll give you an accurate figure in minutes.
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