Automotive/Motor Trade

Drive Your Business Forward with Comprehensive Motor Trade Insurance Coverage

Overview

In the automotive industry, the role of a motor trader can vary widely. It encompasses any job that involves buying and selling vehicles, servicing, or repairing them, and transporting them as a business. For instance, recovery operators, vehicle transporters tasked with taking cars to and from showrooms, and other similar businesses fall under the motor trade umbrella. 

Therefore, if your business involves driving or storing customers’ vehicles or having them in your care and control, it is essential to have a specialised Motor Trade or Automotive Insurance policy. It becomes mandatory to secure as a minimum third-party insurance to protect not only their vehicle but also your business. Motor Trade Insurance is essential for various businesses in the automotive industry, such as valet parking companies, car dealerships, and breakdown recovery firms. This specialised insurance provides coverage for your company and staff when using vehicles in the daily operations of your business. 

Who Needs Motor Trade Insurance?

Mechanics, Motor dealers, Motor vehicle and motorcycle dealers, Garages, Tyre fitters, Mobile Mechanics, Vehicle Servicing, Vehicle collection & delivery, Motor vehicle repair body shops, Vehicle accessory manufacturers, Vehicle electricians, Valets, Security device installers, MOT testing stations, Breakdown & recovery firms, Vehicle scrap yards, MOT station, Used car sales, Body repair centre, Motor accident body shop 

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How We Can Help

Here at Brown & Brown, we aim to offer our customers comprehensive Motor Trade Insurance policies, which can be tailored to each business’s requirements.

Insurance for your motor trade business aims to protect you from potential financial losses due to vehicle damage, theft, accidents, or other unforeseen circumstances that may arise during the course of your automotive jobs. Having sufficient Automotive Insurance coverage can also help to cover a wide range of risks presented by the sale, hire, repair, recovery, or operation of vehicles. These can include Business Interruption cover, road risks, Liability Insurance, cash cover, engineering cover, legal expenses, courtesy car extension, and wrongful conversion. Brown & Brown can also help to protect finances with an additional no claims bonus (NCB) on the road section.

What is Typically Covered?

  • Road Risk Cover
  • Commercial Legal Expenses
  • Goods in Transit
  • Extra Drivers

What is Not Typically Covered?

  • Personal vehicles
  • Driving vehicles for private use
  • Unattended items and vehicles