Motor Trade Combined

Motor Trade Insurance:

Protection for businesses operating in the motor trade.

Motor Trade Combined insurance is designed for businesses involved in buying, selling, repairing, servicing, maintaining or otherwise trading motor vehicles.

A motor trader can have a combination of road risk, premises, vehicle stock, customer vehicles, machinery, tools and liability exposures.

Used car and commercial vehicle sales • Repair workshops • MOT centres • Bodyshop’s • Vehicle recovery operators • Used car and commercial vehicle sales • Repair workshops • MOT centres • Bodyshop’s • Vehicle recovery operators • Used car and commercial vehicle sales • Repair workshops • MOT centres • Bodyshop’s • Vehicle recovery operators • Used car and commercial vehicle sales • Repair workshops • MOT centres • Bodyshop’s • Vehicle recovery operators •

Designed for:

Typical cover:

Depending on the business and insurer, cover can include:

Road risks - comprehensive, customer vehicles, demonstration vehicles and trade vehicles • premises and assets - buildings, contents, tools and machinery, own and customer vehicles and business interruption • Liability - employers', public and products liability • Road risks - comprehensive, customer vehicles, demonstration vehicles and trade vehicles • premises and assets - buildings, contents, tools and machinery, own and customer vehicles and business interruption • Liability - employers', public and products liability •

Tailored Protection

Specialist options
we can explore.

We can explore a range of specialist motor trade insurance options, including cover for demonstrator and customer vehicles, trade plates, young or inexperienced drivers, and additional business use. Policies can also be tailored to include protection for director-owned vehicles, defective workmanship, tools and mobile equipment, courtesy vehicles, loss of use, legal expenses, and engineering inspection and machinery breakdown.

Claim in practice:

A customer's vehicle is damaged during repair.

A vehicle repair business is carrying out work on a customer’s vehicle when an incident causes significant damage.

The customer seeks compensation for the resulting loss.

Depending on the circumstances and policy wording, the appropriate motor trade liability or customer vehicle cover may respond.

Our approach

Motor trade risks vary considerably.

A small repair garage has very different exposures from a dealership handling high-value vehicles.

We consider the complete operation and approach markets with an understanding of the particular motor trade activity involved.