Motor Trade Insurance
Tailored cover for road risks and full garage packages - Compare quotes from our panel of leading insurers
Compare Motor Trade Insurance Quotes
Insync is one of the UK’s leading motor trade insurance brokers. Our UK team of trade cover experts have access to the UK’s leading motor trade policies including AXA, Aviva, Allianz and LV=. Your dedicated advisor will take the time to understand your specific requirements and compare motor trade quotes, helping you find the right policy at the right price.
What Is Motor Trade Insurance
Motor trade insurance provides cover for all types of motor trade businesses from part-time traders requiring road risk only, to full garage risks (traders combined). We can offer cover for a wide variety of activities including car valeting, breakdown and recovery, motor mechanics and car traders offering vehicle sale and/or servicing.
What Does Traders Insurance Cover?
At the heart of any trade policy is road risks, providing cover for your own and customers vehicles. Road risks cover can also be extended to provide demonstration cover which allows potential customers to test drive vehicles. If you provide courtesy vehicles or own a recovery truck, these can also be included.
If you own or operate from rented premises you will also need protection for vehicles at your garage or forecourt for risks such as fire, theft or vandalism (stock of vehicles). In addition, you can cover contents, machinery, vehicle ramps, tools and materials.
If you own or operate from rented premises you will also need protection for vehicles at your garage or forecourt for risks such as fire, theft or vandalism (stock of vehicles). In addition, you can cover contents, machinery, vehicle ramps, tools and materials.
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I’m Only a Part-time trader – Can You Cover My Other Business?
Absolutely, insurers appreciate that some traders also use their own vehicle for other business purposes. With this in mind you may add additional business use – for example, if you are a carpenter and need cover to drive you van to travel to client sites or suppliers, cover can simply in extended accordingly.
Can I Drive Any Vehicle Under My Trade Policy?
Motor Traders Insurance policies often exclude certain types of vehicle, typically higher group or performance vehicles. A full list of any excluded vehicles will be made available at point of quotation.
What Limit of Cover Do I Need Under My Road Risks
Most road risk policies carry a limit of indemnity (for example £10,000 or £15,000 etc.). This limit is the maximum amount the insurer will pay for an own damage or fire or theft claim – for example you are driving a car valued at £15,000 but cover under your policy is limited to £10,000 and the insurer will only pay up to the limit.
You should select your limit carefully in line with your specific business requirements and the vehicles you may drive.
You should select your limit carefully in line with your specific business requirements and the vehicles you may drive.
