A disassembled car tire and various tools lie on the ground next to the rear of a red car in a garage or workshop setting.
A disassembled car tire and various tools lie on the ground next to the rear of a red car in a garage or workshop setting.

Motor Trade Insurance for vehicle sales specialists

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If you buy and sell vehicles, your business has a lot riding on the right insurance. Whether you work part-time or full-time, from home or a business premises, Road Runner can help you find motor trade insurance that fits your business and your budget. Our team will take the time to understand how you trade and arrange cover that matches your exact needs.

From cars and vans to pick-ups and other commercial vehicles, your stock represents a significant investment. With the right car dealer insurance in place, you can protect your vehicles, your livelihood, and your peace of mind – so you can focus on selling with confidence.

At Road Runner Insurance, we’ve spent over 25 years helping motor trade professionals across the UK find insurance that works for them – whether you’re a mobile mechanic, auto electrician, SMART repairer, or anything else in the business. We know that no two traders are the same, which is why we’re always looking for ways to offer more flexibility, more options, and more value.

Our core motor trade insurance products

What does Car Dealer Insurance cover?

Car Dealership Insurance from Howden provides comprehensive coverage across a wide range of scenarios. Cover can include:

Cover for test drives
Customer wants to take a car out for a trial spin? You can get cover as long as one of your team is alongside them for the ride. This is called ‘Accompanied demonstration use’.
Cover for vehicles stored at your premises
Cover can include all vehicles stored at a premises – whether that’s in a showroom or on a forecourt.
Cover for your premises
Whether you trade from home, or boast an impressive showroom or display forecourt, we’ll cover your premises itself.
Road Risks cover
Up to Comprehensive levels of Road Risks cover – for when your team is on the move.
Public Liability cover
Up to £5m liability cover and a range of extra options to protect you and your business.
Cover for vehicles in transit
Transferring vehicles bought at auction, or moving cars between premises? We can include cover for vehicles in transit.
Logo with text: “DNA Insurance” above “Part of Howden” in black font on a white background.

We’re proud to have teamed up with DNA Insurance –  a no-nonsense broker who loves a motor trade challenge. From vehicle repairers and recyclers to recovery operators and valeters, DNA offers competitive, tailored cover that complements our own range of specialist policies. Don’t worry if you’ve got claims or convictions too, previously gone into liquidation, or work in a high risk trade; DNA and its panel of insurers are here to help.

Together, we’re making it easier than ever to get the right protection for your business. Ready to get started?

Trades we cover

Some insurance brokers don’t know their arch flares from their elbow pipes. Not us. We understand the motor trade covers a vast range of different activities, skills, and businesses – and your insurance requirements will be different if you’re a part-time panel-beater rather than a full-time MOT mechanic, for example. That’s why our cover is tailored to your exact needs.

Who do we cover:

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Mechanics

Black outline icon of a car door with a visible window and handle, displayed on a light gray background.

Smart Repairs

Line art icons of a car wheel, a windshield wiper, and an exhaust pipe on a plain background.

Tyre, exhaust & windscreen fitters

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Vehicle sales

Line drawing of a multimeter with two test probes and a dial on the front panel.

Auto electricians

Icon of a person lifting a tire near a stack of two other tires.

Wheel refurbishments

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MOT and servicing specialists

Accessory fitters | Alternative fuel converters | Air conditioners | Bodyshops | Classic car specialists | Coach trimmers | Crash repairs | Delivery agents | Diagnostics | Engineering workshops | Importers | Mechanical repairers | MOT stations | Part-time traders | Parts sales | Performance and tuning workshops | Recovery agents | Remapping agents | Scrap and salvage | Sound and security | Valeting service | Vehicle enhancers