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Car Dealer Insurance

From cars to vans to pick-ups, if you buy and sell either personal or commercial vehicles, you’re going to have a lot of money tied up in stock. Make sure your investment is protected with Car Dealer Insurance.

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What is Car Dealer Insurance?

Car Dealer Insurance is specialist cover designed to keep your dealership and motor stock safe and protected, whether it’s cars in the showroom or on the forecourt.

Also known as Car Sales Insurance, this type of policy can offer a broad spectrum of coverage tailored to the unique needs of a car dealership. This may include damage to car stock while under the care and ownership of your dealership, theft from a showroom or forecourt, incidents that may occur when transporting cars, and it can also be flexed to cover damage that may occur on test drives.

Cover with Road Runner can be tailored to the unique needs of your dealership.

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.

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Why Road Runner for Car Dealer Insurance?

Partners to the motor trade:

We’ve been side-by-side with every part of the motor trade for almost three decades, so we understand the ins and outs of insurance for vehicles sales.

Our reputation is built on trust, great relationships, and serving up the insurance solutions that are right for you.

We always make it personal

There’s no such thing as a one-size-fits-all policy with us.

For example, if your motor sales showroom specialises in classic cars we’ll provide you with a vintage-level cover offer, and if second-hand is more up your street, we’ll help you get the right insurance to properly protect you from risk.

We help keep the motor running

You’re here to sell cars, we’re here to protect both them and your premises. It’s that simple.

We understand the ins and outs of looking after cars while they’re with you and while being transported. We know all the cover options and interpreting insurance policies comes naturally to us. But don’t just take our word for it – read our Feefo reviews for an idea of what our customers think about us.

We’re with you

We’ve been riding shotgun with the motor trade for over 25 years – so we know all the cover options available to you. Get in touch to see if we can secure a better deal than you’re on now. Don’t worry, there’s no obligation if it’s not for you.

More about Car Dealer Insurance

Whether you’re trading in cars, vans, or pick-ups, the stock within your vehicle sales dealership is your livelihood – and needs specific protection. With Car Sales Insurance, you can expect us to deliver a solution that’s unique to your business.

Two people shaking hands with cars in the background, suggesting a deal or agreement in a well-lit environment.

Why is Car Dealer Insurance important?

Also called Vehicle Sales Insurance, this cover is important to make sure your entire business – including premises, vehicle stock and more – is protected.

It doesn’t matter if you trade from home, a garage or other premises – you need to make sure your business and assets are covered against the risks associated with your trade. This might not only help you mitigate risks to your business, but also provide you with a layer of financial protection should you need it.

If something happens – anything from equipment misfiring, to a showroom fire – Vehicle Sales Insurance is far more than an essential piece of business paperwork; it’s your shield from harm.

Is Car Dealer Insurance a legal requirement?

Some elements of a Car Dealer Insurance policy are required by law, including:

Road Risks – This covers the risks associated with driving vehicles, including vehicles for sale, being transported, or test driven
Employers’ Liability – If you employ staff, this covers potential claims that may arise from accidents or illnesses in the workplace

Outside of this, there are various other types of cover that, although aren’t legally required, are usually strongly suggested to protect your business.

Why not help our team understand your business and talk you through your insurance options?

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Our Criteria

You must be able to meet the below criteria for us to provide a quote:

You and all drivers are aged 23 or over.
You’re actively operating a motor trade business for profit or income.
You and all drivers have not been disqualified from driving nor been convicted of driving with no insurance.
You and all drivers have no criminal convictions not spent under the Rehabilitation of Offenders Act nor any criminal convictions pending.
You, any partners, directors, employees, or drivers have never had a policy cancelled, declined, been refused renewal, nor had any special terms or premium imposed.

full list of criteria

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Frequently asked questions

Do I need Car Dealer Insurance?

You’ll need this cover if you own a dealership and want to protect your business from the risks associated with the trade.

Running a vehicle dealership is rewarding, but it comes with a lot of risks (that Vehicle Sales Insurance aims to protect against!). With various employees clocking in, customers coming and going, and vehicles on the road, forecourt and in transit, you’ll likely want to protect your business from the many risks you may encounter.

With Road Runner, Automotive Dealer Insurance can be built to suit your business – including cover for road risks, employers’ and public liability, your premises, transportation of vehicles, test driving and more.

Who needs Car Dealer Insurance?

Car Dealer Insurance is usually required by anyone operating the commercial sales of vehicles.

So whether that’s a specific brand showroom dealership, second-hand car forecourt business, or a classic car dealer, this type of cover will protect your business, stock, and the people that come to it.

How much does Car Dealer Insurance cost?

Car Dealership Insurance cost varies between customers. This will depend on the premises, size of the showroom, value and type of stock, and any previous insurance claims made – to name a few factors.

Our personal approach means we look at each individual business and consider their needs before entering into any discussions or negotiations with possible insurance vendors. We’ll always endeavour to offer you the most comprehensive, suitable cover at an agreed price.

Your Motor Trade Insurance team

We’re proud to present a specialist team who’ll not just provide you with insurance policy options, but also get to know you and your business. So, let’s introduce:

Spanners

Branch Manager

Louise Velez

Associate Director

Lee Dicks

Sales Manager

Fidoo Etwaroo

Renewals Manager

Find out more

Our other products

Bodyshop Insurance

If you’re in the business of knocking out the dents, fixing paintwork, and clearing up after a car crash, take a look at our Bodyshop Insurance.

Auto-Electrician Insurance

Usually suitable for car technicians, diagnostic specialists, and vehicle electricians, our Auto-Electrician Insurance protects you and your specialist tools. Learn more about our Auto-Electrician Insurance.

Car Valeting Insurance

Cover designed to protect car valeters and the work they undertake. Check out our Car Valeting Insurance today.

ROAD RISKS

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

LIABILITY INSURANCE

If you have people working for you or 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, you’ll likely 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 Premises Insurance can help.

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Road Runner is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.