Motor Trade Insurance

At Road Runner, we’ve been placing motor trade insurance for independent traders like you for over 25 years. Whether you’re full-time or part-time, we’ll keep you protected with cover that’s specially created for your business. For your motor trade insurance needs, we’re with you.

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Looking to update your vehicles?

We’ve made it as easy as possible for existing customers to keep on top of vehicle details. Any updates to the MID should be done using your online account.

“I would like to encourage everyone to use Road Runner, been with them a few years. Always come in best price straight away, no messing about. However, I've been particularly  impressed with the service from Kyran, working from home after hours dealing with my renewal during this crazy corona time. He gave me honest sound advice, very refreshing in this day and age. Can’t say enough really, THANKS!”
Nick, Revolution Mechanics on Google Reviews

Core Products

Road Risks


Whether you take the wheel of your customers’ vehicles or drive your own as part of your day-to-day business, then Road Risks cover is for you. And that’s exactly what we offer.

Liability Insurance


If you’ve got people working for you, or if you have customers regularly visiting your site, you’ll need to think about Liability insurance. We’re here to help keep you covered.

Premises Insurance


If you work from a premises, it’s likely you’ll have spent a lot on your tools, equipment or vehicle stock – and the last thing you want is any loss or damage. That’s where we can keep you safe.

We’re with you and the motor trade

Find out more about how existing customers can benefit, latest offers, trades we cover and our products.

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03301 00 87 20
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The original motor trade insurance specialists

Hi, we’re Road Runner and we’ve been placing insurance for independent motor traders for over 25 years. In fact, we were one of the very first brokers to specialise in this area. Over the years we’ve built up a vast bank of experience – so we can offer you expert Road Risks, Liability and Premises insurance that could help save you money.

Our team members take pride in getting to know you and your business, so we can find you a flexible and competitive policy that’s built around your exact needs, not filled with pointless extras.

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


So whether you’re full-time or part-time, our cover is designed to support you – whichever part of the trade you work in.

Just take a look at our cover options, and get in touch for a quote.

"Excellent service and easy to deal with. Highly recommended."

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 roles – from a trader selling vehicles or running a servicing and repair workshop, to those working in SMART repairs, valeting, vehicle recovery and more.

You need this insurance because, when a customer leaves their vehicle in your care, their individual motor policy no longer covers the vehicle – leaving you vulnerable. You need to have your own cover in place that’s tailored to how you trade, keeping you and your business protected.

In particular, if you’re ever responsible for your own or your customers’ vehicles, it’s really important you get some Road Risks cover. But don’t worry, we’ve got all the info you need on our FAQs page, such as:

  • Can I protect my motor trade no claims bonus?
  • Does Road Runner cover part-time traders?
  • I'm part-time and employees work for me – can you insure me?
  • Can I pay for my insurance in instalments?
Who needs it?

Essentially, you’ll need motor trade insurance if you work in any of these areas:

Vehicle sales

Whether it’s your full-time job or a part-time side-business that brings in some extra cash, buying and selling vehicles means you need Road Risks cover. If you work on-site, we offer combined cover to protect your premises too.

Vehicle recovery

If you’re a breakdown and recovery operator, then you’ll need a policy that covers both your own vehicles and any third-party vehicles that you tow or work on. We offer insurance that’s tailored to these needs.


As a mechanic it’s likely you’ll want to protect any tools and machinery you own, as well as other contents in your premises. And as you work on customer vehicles, public liability protection is pretty important too. 

Accessory 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.