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Do you work in the motor trade industry? whatever the profession, whether selling vehicles, repairing or delivering vehicles then it is likely you need motor trade insurance. Whether you are a mechanic, car salesman, valet, tyre fitter or a car jockey then you need to protect yourself against any damages or claims against vehicles you work with.

Motor Trade policies can include road risk cover, public liability, premises cover or a combined motor trade policy covering all.

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Types of motor trade insurance policies

Third Party Only

This policy is a very basic motor trade insurance policy, and you may require it if you: service, repair or restore vehicles; run a MOT centre or a garage; sell or buy cars; drive your customer's car or your own car on public roads.

Third Party, Fire & Theft

This policy offers the same coverage for the clause mentioned in the previous point, but it also gives you a coverage for fire and theft. This is used by motor traders who want to cover their vehicles in the event of theft or a fire.


This policy includes all the clauses mentioned in the previous points and also covers accidental damage for any vehicle that is under the custody or control of a motor trader.

Motor Trade Liability Coverage

This motor trade policy includes employer's liability, public liability, sales and services indemnity coverage. With employer's liability you and your staff members can be protected in case anybody gets injured while working. In cases where anybody is harmed or any property is damaged the public liability can help take care of the compensation costs.



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