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Motor Trade Insurance

Whether you are a sole trader mechanic, a mobile technician, or you run a busy forecourt and workshop, your livelihood depends on staying legal, protected, and on the move. Our Motor Trade Insurance is built around the way you operate – full-time or part-time, mobile or premises-based – so you can focus on customers while we take care of the risk.

Who We Cover

We work with a wide range of motor trade clients. That includes vehicle repairers and mechanics, body shops and spray painters, breakdown and recovery operators, MOT test centres, and independent car and van dealers. If you specialise – classic cars, performance tuning, or light commercial fleets – tell us. We will make sure limits, driver criteria, and any vehicle restrictions are set out clearly so there are no surprises at claim time.

Motor Trade Cover For You

Every motor trade business is different. We start by understanding what you do day to day, the vehicles you handle, where you work, and who drives. Your policy is then tailored to fit – from simple road risk cover for driving customers’ vehicles to fully combined protection for premises, tools, stock, and liabilities. You will have the flexibility to include multiple drivers and a range of vehicle types, with competitive pricing that does not cut the protection you actually need.

Road Risk Or Combined Cover

Road risk cover is ideal if you need to drive or move customers’ vehicles on public roads. It provides the legal minimum and can be set at the level your contracts require. If you own or lease a workshop, body shop, MOT bay, or showroom, combined motor trade insurance brings the essentials together. It can include your buildings, contents, tools, diagnostic equipment, stock of parts, customer vehicles on site, and your public and Employers’ Liability. We will help you decide which route fits your operation today and can scale as you grow.

What’s Included

A well-built policy protects more than just the vehicles you touch. Public Liability covers injury or property damage arising from your work, while Employers’ Liability is required when you have employees – and it still applies if you use labour-only subcontractors. Tools and equipment cover insures the kit you rely on, from hand tools to lifts and spray booths, and we can extend this to goods in transit for parts and deliveries. Business interruption can be included to cover lost income if a major loss shuts the doors. Customer vehicles are protected while in your custody and control, and legal expenses can provide expert support if disputes arise.

Workloads change, and so should your cover. Add a new driver, adjust indemnity limits for a larger contract, or include a second site as your business expands. If you are mobile, we will set clear terms for where vehicles are stored and worked on, including nighttime security and safe off-road parking.

Practical Risk Advice

Good risk control keeps premiums stable and downtime low. We can advise on keyholder protocols, secured parking, alarms and CCTV, tool marking and storage, safe fuel handling, and spray booth maintenance. For MOT and repair centres, we will discuss lifting equipment inspections, waste oil management, and demonstrator procedures. For recovery operators, we will set out safe loading practices and roadside risk controls that insurers expect to see.

Claims Support

When something goes wrong, speed matters. Our dedicated claims team will coordinate assessments, authorisations, and repairs, keeping you updated and pushing for prompt settlement. Whether the issue is a damaged customer vehicle, a break-in, or a liability claim, we work to reduce disruption so you can get back to work quickly.

Get A Quote

Tell us how you operate, who drives, the vehicles you handle, and the value of your tools and stock. We will build a motor trade policy that fits today and is ready for tomorrow – keeping your business on the road, legally and securely.

Call us today

01435 583 584

or complete our enquiry form
01435 583584
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