We know that finding a competitive motor trade policy can sometimes be a time consuming and complicated process, but our team of business experts can help.
We work with some of the largest motor trade insurance companies across the UK and Europe and we are here to help source our best option for your business, negotiating on your behalf to get our best possible price and cover.
The type of motor trade insurance you need in place depends on the area of motor trade in which you operate. We offer cover for a wide variety of motor trade occupations.
A Road Risk’s policy* allows you to drive the vehicles you own as well as driving other vehicles you are using in connection with your business. It is typically bought by traders where their business is conducted from their own home such as mechanics. The policy also protects you from theft, fire and accidental damage.
* Terms and Conditions apply.
**Road Risk cover only insures named drivers, therefore if you have other people working for you they will need to be listed under your policy.
Motor Trade Combined is a much more comprehensive policy that is designed to deliver cover for every aspect of your motor trade business. Whether you operate an independent business from a small garage or as part of larger company, Motor Trade Combined will give you peace of mind so you can get on with running your business.
Key features can include:
Cyber-attacks are unfortunately more and more common and as vehicle technology develops, the need for Cyber Insurance is becoming much more significant in the motor trade industry.
Motor trade businesses are handling more data than ever before in terms of performing sales transactions, handling service and repairs. Therefore it is imperative to ensure that appropriate protection is in place.
We can boost your cover to include Cyber Insurance in your Motor Trade policy that will counteract the threats posed by hackers to your data, as well as protection for your business.
However carefully you run your business, chances are that you will need legal assistance at some point. A Legal Expenses policy covers you for legal advice and gives you access to dedicated helplines if needed. Plus, it covers you for any legal costs incurred in circumstances such as contract disputes, employment disputes, tax investigations and more.
Insurance policies are designed to meet the needs of your business, but the capacity of your role can mean you need further protection. This policy is not for the company but for you, if you are a key decision maker such as a member of a senior management team.
It covers you if you are found to be in breach of certain duties, helping to protect you from any claims made as a result of your decisions and actions.
It provides personal asset protection from any claims brought against you by:
You can enhance a Road Risks policy to include Public Liability, Employers Liability and Professional Indemnity:
Claims against you can be very costly and potentially devastating to your business. By ensuring you have the right cover in place, you are protecting your business from financial hardship.
An explosion of pressurised equipment can cause considerable damage to your business but with the necessary protection in place, you will have peace of mind that if such an incident occurs, you will be financially covered.
All lifting and pressurising equipment is legally required to undergo regular maintenance and inspection checks.
This policy covers you for our insurer representatives to undertake the required inspections and provide recommendations and advisement, if needed.
Typical equipment that requires specialist engineering insurance: