{"id":33699,"date":"2025-10-29T10:30:46","date_gmt":"2025-10-29T15:30:46","guid":{"rendered":"https:\/\/www.bbrown.com\/?page_id=33699"},"modified":"2025-12-11T03:58:38","modified_gmt":"2025-12-11T09:58:38","slug":"motor","status":"publish","type":"page","link":"https:\/\/www.bbrown.com\/uk\/ind\/motor\/","title":{"rendered":"Motor Trade Insurance Solutions for UK Dealerships and Workshops"},"content":{"rendered":"

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\n Motor Trade Insurance Solutions for UK Dealerships and Workshops\n <\/h1>\n\t

Helping protect motor traders, mechanics, valeters and sales operations<\/p>\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t

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Overview<\/h3>\n
\n The motor trade industry covers a wide range of services – from vehicle sales and servicing to valeting, MOT testing and repairs. Businesses in this sector face specific risks, including road accidents, damage to customer vehicles, equipment breakdown and public liability. Motor trade insurance is designed to support these operations, helping protect your staff, premises, vehicles and tools. Core policies often include road risks cover, employer\u2019s and public liability, premises insurance, and tools and equipment protection. Additional options include demonstration cover, sales indemnity and business interruption. <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n[vc_empty_space][vc_column_text css=””]Whether you operate a full-scale garage, part-time trade from home or mobile servicing unit, Brown & Brown helps build motor trade insurance solutions suited to your business model and regulatory requirements.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]\n
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Ready to help minimise your risk and uncertainty?<\/p>\n

\n Fill In Our Quick Form Today for a Quote.\n <\/h2>\n\t\n <\/div>\t
\n\t\t\t\t\t\n\t\t\t\tRequest a Quote<\/span>\n\t\t\t<\/a>\n\t\t\t<\/div>\n[\/vc_column][\/vc_row][\/vc_section][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ full_width=”stretch_row” css=”.vc_custom_1760957173202{margin-bottom: 0px !important;background-color: #EAEAEC !important;}”][vc_row][vc_column]\n
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\n How We Can Help\n <\/h2>\n\t\n <\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_tta_tabs spacing=”3″ active_section=”1″][vc_tta_section title=”Our Approach” tab_id=”1760959622837-5e9dd437-6c1c”][vc_column_text css=”.vc_custom_1761751040300{padding-top: 24px !important;}”]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.<\/p>\n

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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Car Dealers” tab_id=”1760959637714-7d6630f3-1658″][vc_column_text css=”.vc_custom_1761751265480{padding-top: 24px !important;}”]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\u2019ll include machinery breakdown and cover for vehicles in your custody. Mobile traders can access flexible policies that cover travel, tools and on-site liability.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Our Support” tab_id=”1761746159908-32b7d302-e486″][vc_column_text css=”.vc_custom_1762341574598{padding-top: 24px !important;}”]We remain your point of contact throughout the policy\u2019s 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\u2019ll help you to adapt your policy along with it.<\/p>\n

With Brown & Brown, you benefit from clear advice, responsive service and insurance that supports your reputation and compliance in the competitive motor trade.[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][\/vc_section][vc_row row_padding_bottom=”pb-4″ full_width=”stretch_row” content_placement=”middle” css=”.vc_custom_1741088111883{background: #002855 url(https:\/\/www.bbrown.com\/wp-content\/uploads\/2025\/02\/4be645659cbbb0f3bbb6de6614f07be2.png?id=12053) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” row_title=”New CTA”][vc_column width=”1\/2″]\n

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\n Solutions at
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\n Let\u2019s Find the Right Fit Together\n <\/h3>\n\t\n <\/div>[vc_column_text css=”” el_class=”text-white”]Every situation is different, and your insurance should reflect that. Let\u2019s connect and talk through options built with you in mind.[\/vc_column_text]\t
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\n Why Choose Us\n <\/h2>\n\t\n <\/div>[\/vc_column][\/vc_row][vc_row row_padding_top=”pt-2″ row_padding_bottom=”pb-2″ full_width=”stretch_row” row_type=”bg-overlay” row_overlay_color=”bg-transparent-white”][vc_column width=”1\/3″]
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Motor Trade Focus<\/h3>\n
From independent garages to car lots, we understand the risks motor traders face daily.<\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n [\/vc_column][vc_column width=”1\/3″]
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Flexible Cover Options<\/h3>\n
Whether mobile, part-time or multi-location, we help find a policy to match how you operate.<\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n [\/vc_column][vc_column width=”1\/3″]
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Ongoing Broker Support<\/h3>\n
We stay with you to help manage changes, renewals and claims – so you can keep moving.<\/div>\n\n \n <\/div>\n <\/div>\n <\/div>\n\n [\/vc_column][\/vc_row][\/vc_section][vc_section section_padding_top=”pt-0″ section_padding_bottom=”pb-0″ el_id=”form”][vc_row row_title=”50\/50 Text and Form”][vc_column width=”1\/2″]\n
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\n Request a Quote\n <\/h2>\n\t\n <\/div>[vc_empty_space height=”16px”][vc_column_text css=””]<\/p>\n
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  • Simple & Efficient \u2013 Request a quote now<\/li>\n
  • Trusted Advisors \u2013 Nationwide specialists<\/li>\n
  • Exceptional Service \u2013 Rated by real customers on Feefo<\/li>\n<\/ul>\n

    [\/vc_column_text][vc_raw_html css=””]JTNDYSUyMGhyZWYlM0QlMjJodHRwcyUzQSUyRiUyRnd3dy5mZWVmby5jb20lMkZyZXZpZXdzJTJGYnJvd24tYnJvd24tdWslMjIlMjB0YXJnZXQlM0QlMjJfYmxhbmslMjIlM0UlM0NpbWclMjBhbHQlM0QlMjJGZWVmbyUyMGxvZ28lMjIlMjBib3JkZXIlM0QlMjIwJTIyJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZhcGkuZmVlZm8uY29tJTJGYXBpJTJGbG9nbyUzRm1lcmNoYW50aWRlbnRpZmllciUzRGJyb3duLWJyb3duLXVrJTIyJTIwdGl0bGUlM0QlMjJTZWUlMjB3aGF0JTIwb3VyJTIwY3VzdG9tZXJzJTIwc2F5JTIwYWJvdXQlMjB1cyUyMiUyRiUzRSUzQyUyRmElM0U=[\/vc_raw_html][vc_single_image image=”33709″ img_size=”large” css=””][\/vc_column][vc_column width=”1\/2″][vc_raw_html css=””]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[\/vc_raw_html][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=”stretch_row” css=”.vc_custom_1762341462126{background-color: #EAEAEC !important;}”][vc_row row_title=”FAQs Accordion”][vc_column]\n

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    \n Your Questions, Answered\n <\/h2>\n\t\n <\/div>[vc_tta_accordion][vc_tta_section title=”What is road risks cover and do I need it?” tab_id=”1759938794153-b1e344a8-254a”][vc_column_text css=””]Road risks insurance allows you or your staff to drive customer vehicles or stock vehicles for business purposes. It\u2019s essential for most motor traders, including mechanics, valeters and dealers. Brown & Brown will help\u00a0 to find a level of road risk cover that matches your usage and driver eligibility requirements.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Can I get insurance if I trade part-time from home?” tab_id=”1759938794177-302328c1-6f89″][vc_column_text css=””]Yes. Part-time motor traders and those working from home can still access tailored insurance. Whether you\u2019re 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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Do I need public liability insurance as a mechanic?” tab_id=”1759938794195-68a11cc8-923c”][vc_column_text css=””]Yes. Public liability protects you if a customer or visitor is injured or their property damaged due to your work or premises. It\u2019s 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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Can my policy include tools and equipment?” tab_id=”1759938794218-7c12178f-e307″][vc_column_text css=””]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.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”How Can I Help Myself Stay Covered?” tab_id=”1761751525855-2d3a0504-080d”][vc_column_text css=””]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\u2019t followed. Understanding your responsibilities and keeping to the policy terms helps protect your business and ensures your cover works when you need it most.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row row_title=”Feefo Carousel”][vc_column][vc_raw_html css=””]JTNDZGl2JTIwaWQlM0QlMjJmZWVmby1zZXJ2aWNlLXJldmlldy1jYXJvdXNlbC13aWRnZXRJZCUyMiUyMGNsYXNzJTNEJTIyZmVlZm8tcmV2aWV3LWNhcm91c2VsLXdpZGdldC1zZXJ2aWNlJTIyJTNFJTNDJTJGZGl2JTNF[\/vc_raw_html][\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

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