Motor Trade Insurance
Flexible insurance designed for garages, dealerships and motor trade businesses.
Dickson & Wilson Insurance Brokers
What Can Affect Your Motor Trade Insurance Premium
Motor trade businesses operate in a fast moving environment, often dealing with customer vehicles, test drives and valuable stock. Because every business operates differently, insurers look at several factors when calculating your motor trade insurance premium.
Our team works with garages, mechanics and motor traders to help identify these risks and arrange insurance that protects vehicles, staff and customers.
Some of the key factors that can influence the cost of motor trade insurance include:
Type of motor trade business:
The nature of your work can affect insurance costs. Mechanics, body repair shops, car dealerships and vehicle valeters may face different levels of risk depending on the services they provide.
Number of vehicles handled:
Insurers will often consider how many vehicles your business works with or stores on site. Businesses handling larger volumes of customer vehicles or stock may require higher levels of cover.
Driver age and experience:
If employees drive customer vehicles or carry out test drives, insurers may look at the age and driving experience of those employees when calculating premiums.
Premises security:
Where vehicles are stored and the level of security at your premises can influence your policy. Features such as secure yards, CCTV or alarm systems may help reduce risk.
Claims history of the business:
Your previous claims record can play a significant role in insurance pricing. Businesses with fewer claims and strong risk management procedures may benefit from better insurance terms.
Dickson & Wilson Insurance Brokers
Types of Motor Trade Insurance Cover Available
Motor trade businesses often require several types of insurance cover depending on their operations. Common options include:
Road Risk Insurance
Allows motor traders to legally drive customer vehicles or stock vehicles on public roads for business purposes.
Public Liability Insurance
Protects your business if a member of the public is injured or their property is damaged on your premises.
Employers Liability Insurance
Provides cover if employees are injured or become ill because of their work.
Stock of Vehicles Cover
Protection for vehicles owned by your business that are stored or held for sale.
Premises and Contents Insurance
Cover for garages, workshops, tools and equipment against risks such as fire, storm or vandalism.
Motor Trade Extras
Additional Cover Options
Additional cover options can be added to protect different aspects of your motor trade business.
Tools and Equipment Cover
Protection for tools used in vehicle repair, servicing or maintenance.
Customer Vehicle Cover
Cover for vehicles left in your care, custody or control while being repaired or service
Business Interruption Insurance
Helps protect your income if your business cannot operate due to an insured event.
Legal Expenses Cover
Support with legal costs and disputes related to business operations.
Goods in Transit Cover
Protection for vehicle parts, equipment or stock being transported between locations.
Experienced Insurance Brokers
Our Promise to Motor Trade Customers
At Dickson & Wilson, we believe we work better together.
With almost a century of collective experience and local experts across multiple branches, we provide practical guidance and ongoing support for motor trade businesses. From arranging cover for customer vehicles to protecting your workshop and tools, our team works with you to ensure your business is properly protected.
If you are looking for motor trade insurance that offers flexibility, value and expert support, speak to our team today.
Motor Trade Insurance
FAQs
Who needs motor trade insurance?
Motor trade insurance is designed for businesses that buy, sell, repair, service or handle vehicles as part of their work, including garages, mechanics, dealerships and vehicle repair specialists.
What does motor trade insurance cover?
Policies can include road risk insurance, public liability cover, employer liability, stock of vehicles protection and premises insurance.
Can employees drive vehicles under a motor trade policy?
Employees can often be included on a motor trade policy depending on their age, experience and the level of cover selected.
Is motor trade insurance required by law?
If you drive vehicles on public roads for business purposes, you must have valid road risk insurance in place.