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Motor Trade Insurance

  • Flexible Underwriting that covers a wide variety of trades / occupations
  • Create a bespoke Commercial policy that suits your requirements

Motor Trade Insurance Quotes

At Clegg Gifford, we are the largest motor trade insurance broker in the country and work directly with a number of the UK’s leading motor trade insurance companies. Our policies provide cover for all aspects of the motor trade business; from part-time car dealers based at home, through to mechanics, accessory fitters and dealers of all shapes and sizes.

A sketch of a mechanic and a customer shaking hands in front of a car

We have been placing motor trade risks since 1967, so there isn’t much we haven’t seen in our time. That means, whatever risks you face, we can tailor the protection you need.

We know that when you’re busy working in the motor trade, the last thing you want is to spend hours trying to find a suitable insurance policy. At Clegg Gifford, we can provide you with a quick, free and no-obligation quote, and all it takes is a few minutes of your time.

Just click the ‘Get A Quote’ button and enter your contact information, a few details about your motor trade business and the type of policy you’re looking for. We’ll then use our unrivalled contacts in the industry to find the best policy and knock up to 50% off the cost of your existing premium.

Alternatively, if you’d like to discuss your requirements with our expert team, please get in touch with us by going to our contact page.

What Cover Is Provided By A Motor Trade Policy?

Motor trade insurance is a catch-all term for a group of policies for businesses and individuals working in the motor industry. The possible scenarios each business or individual faces depend very much on the particular business type.

There are a number of different motor trade occupations from home to car valets, vehicle mechanics, MOT centres, vehicle dismantlers and much more. Regardless of the size of the business or your place of work, you need motor trade cover that protects your business against the risks you face.

Other Risks Motor Trade Insurance Can Cover

The number of extras that can be included as part of your motor trade insurance policy is almost limitless. Some may be included as standard, while others may be added for an additional premium. Some of the typical additions to a motor trade insurance policy include:

  • Public liability insurance
  • Employers’ liability insurance
  • Premises cover
  • Cover for driving overseas
  • Business interruption insurance
  • Goods in transit cover
  • Business stock/office contents cover

How Can Clegg Gifford Help?

The cover you need will depend very much on you and your business. In some cases, you may already have coverage from another source. As a specialist motor trade insurance broker, it is our job to discuss your specific requirements with you and assess your needs. We then find a motor insurance policy that protects you against those risks without spending a penny for cover you don’t need.

What Type Of Cover Does Motor Trade Insurance Provide?

We have already provided some details about the type of cover included in many motor trade insurance policies, but there are also a wide range of additional features you may wish to consider. That includes:

  • Road risks – Most motor trade insurance policies will include some protection for road risks. This type of policy names the driver to be insured and not the vehicle. That allows you to drive your own or customers’ vehicles for motor trade purposes. If you don’t need to drive vehicles on public roads for business purposes then you could consider a parts only policy.
  • Parts only cover – Depending on the nature of your business, you may have the option to choose parts only cover. This is the most basic level of motor trade insurance available which can help to keep the costs down.
  • Combined motor trade insurance – This type of policy provides a full range of cover for everything from premises, money, vehicles, tools, liabilities and contents. This can cover traders who operate from home and commercial premises and ensures every aspect of their business is protected.
  • Public liability – If you operate from a premises that customers visit then it is your responsibility to provide a safe environment. Public liability insurance can provide cover against compensation claims from members of the public who are injured or suffer a loss as a result of your business.
  • Employers’ liability – If you employ one or more members of staff then it is a legal requirement that you put employers’ liability insurance in place. This can be included as part of your motor trade insurance policy.
  • Product liability – This protects your business against the claims that could arise if you fitted a faulty part to a customer’s vehicle.
  • Any drivers – Any driver policies will cover your staff to drive vehicles from cars and vans to HGVs. This type of policy is likely to be more expensive, so make sure you only cover employees for the vehicles they need to drive.
  • Material damage – If you run a motor dealership then this will cover you for any damage done to vehicles you own but intend to sell.

Learn more about our service by contacting us or asking for a free quote below.

What Level Of Motor Trade Insurance Cover Do I Need?

As well as determining the different elements of your motor trade insurance policy, you also have to make a decision about the level of road risk cover you’re going to need. There are three options, with third party being the cheapest and comprehensive the most expensive.

  • Third party – Legally, this is the minimum requirement to drive a vehicle on public roads. This provides cover for damage, loss or injury to third parties and their vehicles but will not pay out for injury or damage caused to you or your vehicle.
  • Third party fire and theft – As well as the cover provided by third party insurance, this type of policy pays out for damage, theft, fire or loss of vehicles under the motor trader’s custody or control.
  • Comprehensive – In addition to the protection provided by the above, you will also be covered for accidental damage done to any customer’s vehicles under your custody or control, or that you own.

You should also consider the maximum level of indemnity you require to keep your exposure to a minimum. Find out more about motor trade insurance policies by speaking to one of our team now.

What our clients say

Discover what our clients are saying on the most trusted review platforms like

  • We have a  4.46 Rating on 1063 Reviews

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T Henderson

Excellent service and great communication

Posted 2 years ago

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Posted 2 years ago

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This year Clegg Gifford has become a much much better company, faster response & all around highly improved.

Posted 2 years ago

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Very good service from Mid update

Posted 2 years ago

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Great service

Posted 2 years ago

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David Campbell

Excellent service all staff friendly and helpful

Posted 2 years ago

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Akram Alkifaie

friendly staff

Posted 2 years ago

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Muhammad Shahzad

Very professional nice and polite customer service. and very responsible prices. I will recommend

Posted 2 years ago

What makes us special?

  • 50+ Years of experience

    Clegg Gifford were formed in 1968 which means we celebrated our 50th anniversary in 2018. In our circa 50-year history, there is not much we haven’t seen! Our storied history in the Motor Trade, Taxi and Commercial Vehicle industry ensures you won’t find many better placed Brokers to deal with your unique requirements!

  • Scale of operations

    With a network of branches, Appointed Representatives and over 800 brokers we can find cover for clients in any area of the UK. We pride ourselves in being able to find bespoke solutions for unique requirements. From architects and bankers to yacht captains and zoologists, we have covered them all.

  • Nationally recognised Claims team

    As we all know far too well, claims, and claim management is a necessary part of Insurance. Consequently, good claims teams are worth their weight in gold! We are very proud of our distinguished team that have been nominated for ‘Claims Team of the Year’ two years in a row! Here is to hoping you won’t need to contact them!

  • Huge breadth of insurers

    Due to our heritage within the market, we have great relationships with a multitude of insurers across both personal and commercial lines. As always, our emphasis is on delivering you with flexible coverage options that help support your personal and commercial requirements. As a Lloyds broker we also have access to a range of London Market insurers.

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