Motor Trade Insurance Solutions for UK Dealerships and Workshops
Helping protect motor traders, mechanics, valeters and sales operations
Overview
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How We Can Help
At Brown & Brown, we support a wide range of motor trade businesses – from independent garages and valeters to multi-site dealerships and mobile mechanics. As brokers, our role is to understand how your business operates and help source insurance from trusted providers that reflects your day-to-day risk.
We help arrange policies that may include road risks cover (so you can drive customer or stock vehicles), liability insurance (in case of injury or damage claims), and premises cover (for tools, ramps, diagnostics and stock). We can even help with inspection arrangements for your ramps and equipment. Whether you work from a fixed garage or operate remotely, we help to protect your assets and responsibilities by finding suitable insurance.
For used and new car dealers, we assist with cover for sales risks, demonstration drives and liability for faulty workmanship. For repairers, bodyshops and MOT centres, we’ll include machinery breakdown and cover for vehicles in your custody. Mobile traders can access flexible policies that cover travel, tools and on-site liability.
We remain your point of contact throughout the policy’s life – assisting with documentation, mid-term changes, claims and renewals. If your trade grows, shifts to a new location, or adds services like recovery or diagnostics, we’ll help you to adapt your policy along with it.
With Brown & Brown, you benefit from clear advice, responsive service and insurance that supports your reputation and compliance in the competitive motor trade.
Solutions at
Every Stage
Let’s Find the Right Fit Together
Every situation is different, and your insurance should reflect that. Let’s connect and talk through options built with you in mind.
Why Choose Us
Motor Trade Focus
Flexible Cover Options
Ongoing Broker Support
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Your Questions, Answered
Road risks insurance allows you or your staff to drive customer vehicles or stock vehicles for business purposes. It’s essential for most motor traders, including mechanics, valeters and dealers. Brown & Brown will help to find a level of road risk cover that matches your usage and driver eligibility requirements.
Yes. Part-time motor traders and those working from home can still access tailored insurance. Whether you’re selling vehicles or offering light servicing, we help source a motor trader policy that includes road risks, liability, and cover for tools or small stock held at your property.
Yes. Public liability protects you if a customer or visitor is injured or their property damaged due to your work or premises. It’s a vital component of motor trade insurance, especially for mechanics, bodyshops and mobile repairers. We help you arrange this as part of a combined policy.
Absolutely. Tools, diagnostic equipment and machinery can represent a major investment. We help include protection for theft, damage or breakdown – whether stored on-site or carried in transit for mobile traders. Cover limits are set to match the scale of your operation.
Even with the right insurance in place, you play a key role in making sure claims are accepted. For example, motor trade policies often include conditions around how tools are stored, keys are managed, and drivers are checked. These are standard requirements, but claims can be denied if they aren’t followed. Understanding your responsibilities and keeping to the policy terms helps protect your business and ensures your cover works when you need it most.