Motor Trade Insurance

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• Securing motor trade insurance for independent traders
• Tailored policies to suit your business needs
• Over 500 verified reviews on Feefo


Are you a broker looking to place insurance for motor traders? We offer the same service and products, with the same available team to help you. Apply for an agency or simply log in.

Road Runner: The original motor trade insurance brokers

At Road Runner, we’ve been providing independent and commercial motor trade insurance for over 25 years. We were one of the very first brokers to specialise in this area and we’ve developed a breadth of experience that enables us to offer a wide range of motor trade car insurance services.

From roadside rescue to workshop repairs and second-hand sales, we understand all the moving parts of the motor trade. That’s why our cover is tuned to your specific needs. We know there’s no one-size-fits-all policy in this business.

Whether you need expert Road Risks, Liability or Premises cover, you can quickly find and compare motor trade insurance quotes and policies tailored to your business. Take a look at our cover options to find out more.

What is motor trade insurance?

Motor trade insurance is specialist cover for anyone who works with vehicles as part of their business. This applies to a whole range of trades, from a used car dealer to those running servicing and repair workshops.

It’s important to compare motor trade insurance by different providers so that you get the best value for money – and that’s something we can help you with. We’ll help you find the cheapest motor trade insurance that meets your business requirements.

Why get motor trade insurance?

Having commercial motor trade insurance means you and your business will be protected financially, whether from third-party claims or under other circumstances such as accidental damage of customer vehicles or theft on your premises.

Your motor trade insurance policy could mean you’re covered for:

  • Damage to vehicles
  • Loss of the insured vehicle(s)
  • Liability insurance, including Employers’ Liability, Public Liability and Products Liability
  • Third-party legal liability
  • Contents insurance

The type of policy you need will come down to how your business operates.

Certain types of motor trade insurance will be a legal requirement depending on your trade. If you drive vehicles that aren’t your own, Road Risks motor trade car insurance is the minimum legal cover level needed. Driving without insurance can have  Similarly, if you employ staff, you are legally required to have Employers’ Liability insurance.

How much does motor trade insurance cost?

Our team members take pride in getting to know you and your business so that we can build you a flexible and competitive policy focused on your exact needs. If you’re looking specifically for cheap motor trade insurance, we can advise you on only our most essential cover.

Whether you’re full-time or part-time or you just need motor trade Road Risks insurance, our cover is designed to support you – whichever part of the trade you work in. If you’d like to get your new motor trade insurance certificate today, simply get in touch.

“Have been insured with Road Runner for 20+ years, highly recommend”
Paul, on Facebook

Our core motor trade insurance products

Find out more about the trades we cover, our products, and our latest offers – including those for existing customers.

Why choose Road Runner for your motor trade insurance?

Whether you operate a car repairs service, a car dealership or a valeting service, it’s important to have the correct motor trade insurance in place for your business to be protected. Here’s why you can trust Road Runner to get the job done:

  • We’re specialist motor trade insurance brokers with over two decades of experience to our name.
  • Choose from a range of insurance products, including Road Risks, Premises and Liability insurance.
  • We offer motor trade insurance for sole traders, partnerships and limited companies across a range of motor trades.
  • Our dedicated team of motor trade insurance experts are on hand to help you get sorted.
  • Thanks to our online vehicle management portal, you can check policy documents and add vehicle details 24/7.

Get motor trade insurance with Road Runner today

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03301 00 87 20
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Motor trade insurance FAQs

We understand that you might have a few more questions if you’re thinking about buying motor trade insurance. See some of our most common queries below.

Do I need motor trade insurance?

If you’re responsible for your own or your customers’ vehicles, it’s important that you get some motor trade Road Risks insurance. Even if you’re not full-time, you can still find some of the best and cheapest part-time motor trade insurance with Road Runner.

You need comprehensive motor trade insurance when a customer leaves their vehicle in your care. Their individual motor policy will no longer cover the vehicle, leaving you responsible and vulnerable. You need to have your own cover in place, tailored to how you trade, to keep you and your business protected.

Request a motor trade insurance quote today.

Can I protect my motor trade no claims bonus?

With Road Runner motor trade insurance, you can still protect any no claims discount or bonus you’ve accrued with us. Just make sure you ask us when you either buy or renew your policy, since it can’t be added during the policy period.

Can I pay for motor trade insurance in instalments?

You can pay for your policy by splitting it into either six or 10 instalments, or you can choose to pay in full if you’d prefer. If you’d like to learn more, check out our how to pay page.

What does motor trade insurance cover?

You’ll need to get a competitive quote for motor trade insurance if you work in any of these areas:

Vehicle sales

Whether it’s your career or just a part-time side-business, buying and selling vehicles means you need Road Risks cover. If you work on-site, we offer combined cover to protect your premises too. Contact us for a unique motor trade combined insurance quote.

Vehicle recovery

If you’re a breakdown and recovery operator, you’ll need a policy that covers both your own vehicles and any third-party vehicles that you work on. We offer insurance that’s tailored to the needs of vehicle recovery operators. Plus, we’ll happily insure trade plates to make sure that your private and commercial vehicles are dealt with entirely separately.

Mobile mechanics

We know you’ll want to protect your own tools and machinery, as well as other contents in your premises. Since you work on customer vehicles, Public Liability protection is important too. Discover our insurance cover available for mobile mechanics.

Accessory and parts fitters

From fitting an exhaust to changing a tyre, you need insurance that covers you to carry out work on customers’ vehicles. Liability insurance covers both the work you do and the parts you fit.

Some of the above are subject to requirements, so it’s worth looking at our motor trade FAQs page if you’d like to learn more.

Where can I find your motor trade insurance policy documents?

You can find our motor trade insurance policy wording and other handy documents here.

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