Motor Trade Insurance Quotes

Prices vary depending on your trade type, experience, claims history, vehicle types, location, and whether you need road risk or combined cover. Part‑time traders may pay from around £800-£1,500 per year, while full combined policies for workshops or dealerships can cost significantly more.

Road risk insurance covers you to drive customer vehicles and your own trade vehicles on public roads. Combined motor trade insurance includes road risk plus cover for your premises, tools, equipment, stock, money, and liabilities.

Yes. Home‑based traders such as mobile mechanics, part‑time dealers, and valeters still need road risk cover. If you store vehicles or tools at home, you may need additional protection.

Yes. Many insurers offer part‑time policies for traders who buy and sell vehicles or repair cars alongside another job.

Yes. Road risk policies cover customer vehicles while being driven, and combined policies can cover them while stored on your premises.

Combined cover is ideal for workshops, MOT stations, bodyshops, tyre centres, valeting centres, and dealerships that need protection for premises, tools, machinery, stock, and liabilities.

Only combined policies include tools and equipment cover. You can insure hand tools, diagnostic machines, lifts, compressors, and specialist equipment.

Not always. Policies usually cover customer vehicles and trade vehicles, but high‑performance, modified, or high‑value cars may require approval.

Yes, as long as the policy includes demonstration cover. This allows customers to test drive vehicles under your supervision.

Insurers consider:

• Your trade type

• Experience and qualifications

• Claims history

• Number of vehicles handled

• Premises security

• Tools and equipment value

• Location and risk level

Yes. Mobile mechanics, valeters, and part‑time traders can get road risk‑only policies without needing a workshop or forecourt.

Employees can be added as named drivers or included under an any‑employee driving extension, depending on the insurer.

You’ll typically need:

• Proof of trading activity

• Driving licence

• Claims history

• Details of tools, equipment, and premises (if applicable)

• Vehicle types handled

Yes, but insurers may require secure storage, CCTV, alarms, or locked compounds, especially for high‑value vehicles.

It’s possible, but premiums are higher. Some insurers specialise in younger traders with experience or qualifications.

Combined policies often include public liability, and you can add employers’ liability if you have staff.

Yes. Traders who buy and sell vehicles need road risk cover for driving them and stock cover for vehicles held for sale.

Yes. Most insurers offer monthly instalments through finance agreements.

You can lower premiums by improving security, reducing claims, storing vehicles safely, installing CCTV, maintaining a clean driving record, and using a specialist motor trade broker.

The Institute of the Motor Industry Website

Retail Motor Trade Federation – The Retail Motor Industry Federation (RMI) is the UK’s leading automotive trade body, representing franchised car and commercial vehicle dealers, independent garages, bodyshops, motorcycle dealers, petrol retailers, auction houses and cherished number plate dealers,