Motor Trade Insurance​​​​​​​

We specialise in providing Motor Trade insurance to the independent motor trade professional. We can offer cover for Road Risks, Liability, and Premises insurance and for full-time and part-time businesses. 

Our response to the Coronavirus pandemic

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For over 25 years we have been here to support motor traders with their insurance needs. Our staff remain dedicated to supporting you today. We're open and our team is here to help you during the current COVID-19 situation - read more.

Our Core Products

Road Risks Insurance


If you are involved in the motor trade and have your own vehicles, or drive customers' vehicles in the course of your business, you probably need Road Risks cover.

Liability Insurance


If you have employees or want to protect yourself against claims for customers or visitors to your premises, find out how our Liability cover could protect you and your business.

Premises Insurance


If you trade from premises, you probably have money tied up in your tools, equipment or stock of vehicles. Find out how our Premises cover could help you protect against loss or damage.

Industries We Cover

If you work in one of the following areas, why not find out more about how we can help you.

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We specialise in providing motor trade Road Risks, Liability, and Premises insurance to the independent motor trade professional.

Whether you trade on a full or part-time basis, why not see if we can help save you some money.

Our experienced team is on hand to find the right policy for you. As experts in the motor trade insurance sector, we concentrate on providing industry professionals with more flexible, specialised cover designed to suit their specific business needs. We are able to offer cover that is designed to respond to your professional demands.

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

We pride ourselves on providing competitive motor trade insurance policies to suit professionals in various aspects of the industry, from garages to dealerships. 

Whether you are involved in Vehicle SalesRepairs and ServicingSMART Repairs or some other part of the motor trade, where possible we can help provide the insurance cover you require.

Please ensure you have read and understood all of our cover options prior to getting a quote.

What is motor trade insurance?


As most people know, it’s the law to have insurance if you are a road driver. However, motor trade insurance is designed for anyone who works with vehicles as part of a business. This may range from a trader who is selling vehicles or running a servicing and repair workshop, to those working as mobile mechanics or in valeting and car cleaning.

Because the customer leaves their vehicle in your care, their insurance no longer covers the vehicle and so a specialist motor trade policy is required for you to do this. It’s vital to find a policy which is tailored and specific to how you are trading.

In other words, if you have your own or have customer vehicles in your care, custody or control, you will most likely require Road Risks policy.

Read more with our extensive motor trade frequently asked questions, including:

- Can I protect my motor trade 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 motor trade cover?


Vehicle sales

If you are buying and selling vehicles for profit or income, regardless of whether it is your full-time job or a part-time side business from home, you need Road Risks insurance. A combined cover policy covers people working from designated premises.

Vehicle recovery

As a breakdown and recovery operator, your insurance policy would be designed to cover your own vehicles as well as third party vehicles that are being towed or worked on. We provide cover for individuals involved in vehicle recovery.


If you are a mobile mechanic you may need cover that will protect your tools, machinery and building contents, as well as public liability – as you are working on customer vehicles.

Accessory fitters

Due to the nature of this trade, your insurance should cover you for the work you carry out on customer vehicles, whether it is fitting an exhaust or changing tyres. It means you will most likely require liability insurance, which covers your labour and parts you are fitting.