Motor trade insurance is designed to protect businesses involved in buying, selling, repairing, or storing vehicles. It provides coverage for vehicles owned, in transit, or held for sale, as well as liability for accidents or damage occurring during business operations. This insurance is essential for motor traders, dealerships, and garages operating in the UK.
SynergiseUK partners with specialist insurers to provide tailored motor trade insurance suitable for businesses of all sizes.
Who Is It For
Motor trade insurance is suitable for:
- Vehicle traders, dealerships, and garages
- Businesses selling, repairing, or storing vehicles
- Mobile mechanics and car valeters
- Companies managing commercial fleets or dealership stock
What Does It Cover
Motor trade insurance typically includes:
- Cover for vehicles owned, in transit, or held for sale
- Public and employer liability for accidents or injuries
- Business premises and contents cover (optional)
- Tools, plant, and equipment coverage
- Road risk cover for vehicles driven as part of business operations
- Optional cover for customer vehicles in custody or repair
Listed below are some the main inclusions of cover within your policy:
- Standard public liability limit of £5 million
- Employers liability £10million
- Full cover for loan cars
- Cover for vehicle recovery
- All trades considered
- Cover for diversified businesses
- Competitive premiums
Why Choose This Insurance
- Protects vehicles, premises, and business operations
- Flexible policies to suit motor traders, garages, and dealerships
- Covers liability risks for employees and the public
- Optional add-ons for road risk, tools, and equipment
- Peace of mind for motor trade business owners
Important Considerations
- Confirm which vehicles and locations are included in cover
- Review road risk cover for vehicles driven on public roads
- Understand liability limits for employees, customers, and third parties
- Ensure tools, plant, and equipment are adequately covered
- Check optional cover for customer vehicles in custody or repair
Protect Your Motor Trade Business Today
Safeguard your vehicles, premises, and operations with motor trade insurance.
SynergiseUK partners with experienced insurers providing motor trade insurance, offering tailored cover for vehicle traders, garages, and dealerships.
Frequently asked Q&A's
Motor Trade Insurance provides cover for businesses in the automotive trade, including car dealers, mechanics, vehicle repairers, and valeters, protecting vehicles, stock and liability.
Any business involved in selling, repairing, servicing or testing vehicles on a commercial basis requires motor trade insurance to comply with law and protect assets.
Typical cover includes road risk, vehicles in your custody, public liability, employers’ liability, and business premises protection.
Yes, policies include road risk cover, allowing insured vehicles to be driven legally for trade purposes, such as delivery, testing, or customer transport.
Yes, motor trade insurance protects customer vehicles in your possession, including vehicles awaiting repair or undergoing maintenance.
Yes, most policies provide public liability insurance, covering claims from injury or property damage caused by your business operations.
If you employ staff, most motor trade policies include employers’ liability insurance, which is a legal requirement in the UK.
Yes, policies are designed to cover car dealerships, including stock on-site, vehicles in transit, and sales operations.
Many policies include tools and equipment cover used in vehicle repair, maintenance, and servicing on business premises.
Premiums vary depending on business type, vehicles, location, turnover and level of cover, with specialist policies tailored to your trade needs.
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