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Car Dealer Insurance

  • Commercial Combined Motor Trade policies with £10m indemnity cover available
  • Tailored Motor Trade policies to meet your business needs

Car Dealer Insurance

Our car dealer insurance policies vary in scope, shape, size and price. Depending on whether you operate from a showroom, small garage or even from home – our policy can be tailored to suit your requirements. Whilst buying and selling may be your primarily occupation, our policy will also allow for vehicles being worked on by you, and can be extended to cover your personally owned vehicles as well.

Car Dealer With Premises Insurance

For those car dealers who operate from a business premises – even if that premises is adjoined to their main residence – we can offer the full combined insurance package which includes road risks, alongside liability cover as well as property and equipment cover as well. Our team are well versed in combining mixed usage as well – it is perfectly normal for a dealership to have other services on offer, including mechanical servicing alongside sales activities. Our car dealer at premises policies can include:

  • High value stock and specified cover on expensive vehicles
  • Public and Employers Liability up to £10 Million Indemnity Level.
  • Equipment, machinery and plant – high sums insured.
  • Engineering inspection.
  • Road Risks for Motor Trade including recovery and movement of customers / own vehicles and extensions for secondary activities such as buying & selling.
  • Office contents and other equipment, as well as stock.
  • Money cover, business interruption & Theft.
  • Buildings
  • Own vehicles covered including personal and business vehicles.
  • Marine cover for stock in transit

Car Dealer at Home Insurance

Those who deal from home only need road risks cover for the most part. However it is common for those car dealers who operate from their home to have other cover in force – including public liability and even cover for office and business equipment kept there. This need not even be your full time occupation – for those who do deal only part-time, we have no minimum MID threshold – and are quite content to cover those who want a motor trade policy simply for the convenience of moving vehicles and buying / selling on their terms – not bound by volume of cars sold.

It is just as important to ensure that you have adequate cover for the value of any own and customers vehicles you keep there. Again this is something we can provide as standard with our policies.

Finally, we also frequently cover additional locations – where stock vehicles that are kept elsewhere, although again – you must make the underwriter aware of your requirements.

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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?

  • 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, a 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.

Our Product Areas

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