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Motor Trade Appetite

  • Wide acceptance criteria on occupations, drivers & vehicles
  • Combine Road Risk with Liability & Property cover
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Motor Trade Appetite

Clegg Gifford have a storied history within the motor trade, successfully servicing clients since its formation in 1967. Since then, we’ve been able to utilise insurer relations to consistently deliver flexible policies to clients and brokers alike.

We are able to cater to a plethora of trades and occupations, ranging from sole traders operating part time from home, right through to multi-site, multi vehicle, breakers yards. The flexibility of our offering ensures we are able to find the right fit for you and your client.

Unlike many other brokers we are able to obtain terms on new ventures and those with an adverse claims / conviction history. Each risk is assessed individually by our team of experienced staff who understand the importance of supporting fledgling businesses and those with a distinctive history.

The versatility of our panel of insurers means that we are also able to dovetail coverage for property and liability alongside any motor elements all within one succinct policy meaning one payable premium, one renewal date and one satisfied client.

Policy Options Available

As an Insurance Broker with a heritage in the Motor Trade, we have various policy options available to ensure that your client has a bespoke policy that fits their unique requirements without breaking the bank! We pride ourselves on being able to offer flexible policies to our clients.

In addition to offering the standard levels of coverage (Comprehensive, Third Party Fire & Theft and Third Party Only), we can also accommodate for:

Demonstration Cover:  Available on a Comprehensive or Third party only basis. Both options are also available on an accompanied or unaccompanied basis.

Windscreen Cover: As advertised!

Customer Loan Vehicles: Useful for Mechanics / Engineers who may wish to loan a vehicle to customers whilst work is being undertaken.

Driving Other Vehicles: Available on a Comprehensive or Third Party Only basis.

Policy Extras

Public Liability – Competitive coverage on a wide range of trades and occupations (in connection with the Motor Trade), we can provide tailored Liability coverage with limits of indemnity up to £10,000,000.

Employers Liability – Available for all occupations in connection with the Motor Trade, coverage available for up to £10,000,000 limits of indemnity.

Products Liability – Cover available for products liability in conjunction with our public liability offering. Cover available up to £10,000,000 limit of indemnity.

Property Cover – We work with a wide variety of Lloyd’s syndicates to provide competitive insurance coverage for a whole range of property (in connection with the Motor Trade), ranging from buildings and machinery, through to vehicle stock, and computers / diagnostic equipment.

Business Interruption – Sold in conjunction with our property offering, we are able to provide cover for Business Interruption as standard, or on a ‘increased cost of working’ basis.

Goods In Transit – Coverage available on vehicles, tools and stock in transit.

Tools / Equipment (Specified All Risks) – Cover available for portable tools, diagnostic equipment and specialist computers or electrical equipment.

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Welcome to CG TV

Welcome to CG TV

A collection of videos which outline Clegg Gifford’s products and other useful information.

  • Discover more about the products and services we can offer, for both personal and commercial insurances.
  • Check out our trade specific ‘overviews’ which can help determine the right coverage options for your business.
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What makes us special?

  • Expertise

    Our experienced team are on hand to deal with any queries you may have on our extensive suite of products. We assess each risk on a bespoke basis to find the best solution for you and your client.

  • Scheme Availability

    Where applicable, we are able to consider ringfenced schemes for existing books of business or where brokers have niche product requirements. This flexibility would allow your brokerage to directly bind risks within set underwriting limits.

  • Expansive Appetite

    We have access to multiple, unique binders and schemes that ensure we are able to accommodate your clients requirements across multiple products. Our status as a Lloyds broker ensures we can place all manner of risks from the ‘one man band’ selling vehicles from his garage, right through to multi location breakers.

  • Customer Service

    Our service goes beyond mere policy placement, we strive to provide exceptional service to our broker partners throughout the policy term, no matter the scenario. Our award-winning in-house claim team are also available should they be needed… (hopefully not!)

Our Product Areas

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