Motor Trade Insurance

Protect Your Vehicles. Protect Your Premises. Protect Your Livelihood.

Motor trade businesses face risks that standard motor insurance simply does not cover.

Whether you buy and sell vehicles, repair cars, service fleets, run a garage, operate from home, or manage a larger motor trade premises, your cover needs to reflect the way you work.

But what happens if:

• A customer vehicle is damaged while in your care
• A vehicle is stolen from your premises
• A mechanic crashes a customer car during a road test
• Tools or diagnostic equipment are stolen
• A customer is injured at your site
• A fire damages your workshop and stops you trading

Without the right motor trade insurance, one incident can create a serious financial and reputational problem.

The Risks Motor Traders Often Underestimate

Motor trade policies can be flexible, but they must be arranged correctly.

Common gaps we see include:

• Road risks not matching who drives and why
• Vehicle values being too low
• No cover for customer vehicles in custody
• Missing premises cover
• Inadequate tools and equipment protection
• Demonstration use not properly included
• Employees or casual drivers not correctly noted
• No business interruption cover after a major claim

Motor trade businesses often change quickly.

Stock levels move, employees change, premises develop, and services expand.

Your insurance needs to keep pace.

What Motor Trade Insurance Should Do

A well arranged motor trade policy should protect the vehicles you own, the vehicles in your care, your business premises, and your liability to customers, employees, and the public.

Depending on your needs, cover can include:

Road Risks

Cover to drive vehicles connected with your motor trade business.

This can include vehicles owned by you, stock vehicles, and customer vehicles, subject to the policy terms.

Vehicles in Custody or Control

Protection for customer vehicles while they are in your care.

This is vital for repairers, valeters, bodyshops, service centres, and garages.

Stock of Vehicles

Cover for vehicles held for sale.

Limits should reflect realistic stock values, not just the lowest expected level.

Premises, Tools, and Equipment

Protection for workshops, offices, machinery, ramps, tools, diagnostic equipment, and contents.

Public and Employers Liability

Cover if a customer, visitor, or employee is injured in connection with your business.

Business Interruption

Protection for loss of income if your business cannot operate after an insured event.

This can be critical if your workshop or premises is damaged.

Why Motor Traders Work With Us

At Strategic Insurance, we understand that no two motor trade businesses operate in exactly the same way.

A small trader working from home does not need the same structure as a garage with staff, premises, and customer vehicles on site.

We help you:

• Set up road risks correctly
• Make sure drivers and vehicle use are properly disclosed
• Review stock, premises, tools, and liability exposure
• Identify gaps before they affect a claim
• Structure cover around how your business actually operates

Because in motor trade insurance, the detail matters.

A policy that looks right at first glance may still leave you exposed.

Let’s Review Your Motor Trade Cover

We’ll give you:

• A clear view of your current risks
• Practical advice based on how your business works
• Confidence that your vehicles, premises, and customers are properly protected