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Vehicle Sales Insurance

Vehicles sales insurance is a policy designed specifically for traders who sell new or used cars from their home or business premises.

Vehicle Sales Insurance UK Price Comparison
Vehicle Sales Insurance UK Price Comparison

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Road Risk Insurance

Under 25’s Motor Trade Insurance

Combined Insurance

Northern Ireland Insurance

Motor Trade Fleet Insurance

Vehicle Sales Insurance UK Price Comparison

Compare Vehicle Sales Insurance

When you a business that buys and sells commercial or personal vehicles, it means your business needs to ensure the vehicles are protected against a wide range of risks. These vehicles are valuable stock for your business, whether you operate the business from home or business premises. Insurance protection is crucial to your company. We’re happy to let you know there’s specialist coverage available for you and your business.

Have you ever wondered what would happen if a customer road tested a vehicle and caused an accident? Or the risks of trading from business premises, such as on-site accidents or damage to expensive equipment? If so, you understand the need for an insurance policy that protects your entire business.

Some Of The Motor Traders Which Can Be Covered:

Do I Need Vehicle Sales Insurance?

Yes, you need vehicle sales insurance if you’re involved in selling cars for commercial purposes. If you run a car dealer business and drive vehicles associated with these business activities, then you’re legally required to have road risk insurance. However, you may also want to consider these additional policies:

Demonstration of vehicles: customers are allowed to test drive any vehicle before they make a purchase.

Premises cover: protects vehicles that are parked at your premises from risks such as theft and damage.

Cover for vehicles in transit: if you buy vehicles at auction and transport them on a trailer or transporter, you can extend the road risks policy to provide protection for vehicles that are being transported.

Motor Traders insurance can cover:


Product Liability Insurance


Flexible Monthly Payments


24hr Claims Helpline


Motor Traders Policy For Over 25+


Accident Support / Replacement Vehicle


Material Damage Cover


Equipment & Premises


Combined or Road Risk Insurance


Comprehensive Cover

Vehicle Sales Insurance UK Price Comparison

Vehicle Sales Insurance FAQs

Helpful links

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,

What is Vehicles Sales Insurance?

Vehicles sales insurance is a policy designed specifically for traders who sell new or used cars from their home or business premises.

What Levels of Cover are There for Vehicle Sales Insurance?

There are three levels of vehicle sales insurance to choose from, including:

Third-party only: this coverage protects third parties from injuries and property damage resulting from your business operations. Bear in mind that this policy does not pay for your injuries or damage to your vehicle in the event of an accident. You must cover these costs out-of-pocket. Third-party only is the minimum amount of coverage you’re legally required to have.

Third-party, fire & theft: this policy provides the same coverage as third-party only and offers fire and theft protection for the vehicle you’re driving. If the vehicle is stolen, vandalized, or damaged by fire, this policy protects your vehicle and offers payouts for repair or replacement of the vehicle. However, this coverage does not protect you in case you’re injured in an accident.

Comprehensive: the policy offers the same protections as the two policies above. In addition, it also offers coverage for you and your vehicle. This is the highest level of insurance you can buy, and it’s the most comprehensive insurance policy for you and your business.

Are There Add-Ons Available for Vehicle Sales Insurance?

Yes, we’re happy to say there are additional policies you can add to your vehicle sales insurance, including:

Demonstration cover: allows a customer to test drive a vehicle when accompanied by an employee of your business (some policies may allow unaccompanied drivers).

Tools & machinery: this policy provides cover for all tools and machinery on the business premises.

Stock of vehicles: protects the stock of vehicles your business holds on-premises.

Public liability: protects your company from claims of injury or damage from a member of the publich. It also usually includes legal expenses.

Employers’ liability: protects your employees while they work for you. This liability insurance protects them in case they are injured, become ill, or die on the job. And it protects you from claims made by employees for work-related injuries and more.

Product liability: this policy protects you from installing damaged or faulty products that cause an accident or property damage. It also protects against parts that have been installed incorrectly.

Multiple drivers: offers insurance protection for all named drivers on the policy when they drive cars for customers or the business.

Garage stock cover: protection for loss or damage to vehicles; normally at trade cost rather than retail value.

Road risk: protects your business when transporting vehicles to and from your premises.

Contents insurance: protects the contents of your buildings, including money and furnishings.

Can I Get Part-Time Car Dealers Insurance?

Yes, some insurance providers do offer part-time policies. Part-time policies are usually less expensive than full-time insurance. That’s because you work part-time in the motor trades business, lowering the risks you face. In addition, you may carry fewer stock vehicles, which lowers the value. Again, this may help reduce your level of risk as determined by insurance providers.

Do I Need Proof of Operating a Vehicle Sales Business?

Yes, because insurance providers may ask for proof that you have a motor trades business. Proof of trading can include the following:

  • Copies of purchase invoices and sales receipts for vehicles bought or sols
  • Auction house invoices and auction house membership
  • Proof of joint bank account for business partnerships
  • Copies of any invoices and receipts for parts or work carried out on customer vehicles
  • Submission of accounts
Is There a Way to Keep Vehicle Sales Insurance Costs Down?

Yes! There are a couple of ways that you can reduce the cost of your premium. However, we highly recommend asking your insurance provider about how they can help lower your premium. Each insurer has its own criteria for determining premiums and policies for reducing the cost of a premium.

However, most insurers do offer the following methods to reduce the cost of vehicle sales insurance:

Increase the excess: while it’s possible to set your excess to 0, it’s best to increase the excess you’d voluntarily pay in case of a claim. This is one way to lower your insurance premium.

Park vehicles securely: another way to save on vehicle sales insurance is to ensure all vehicles on the premises are parked securely in a protected area. You may use special locks, CCTV, and more to keep vehicles safe. As long as the risks of being robbed or damaged are reduced, the insurance provider may agree to lower your premium.

Named drivers: having only named drivers on the policy can also help lower the premium. However, it’s crucial to ensure that your drivers have excellent driving histories without convictions or points on their licenses. In addition, hiring drivers who are 25 or older can also lower your premium. Insurance providers see mature drivers as being less risky than drivers under 25.

Pay annually: another way to lower your insurance premium is to pay it annually rather than monthly or pay-as-you-go. Most insurance providers offer a discount when paying annually. This is a great way to lower your premium.

Comparison shop: another way to save money on your premium is to comparison shop for vehicle collection & delivery insurance. This may save you quite a bit on your premium.

Compare Vehicle Sales Insurance Quotes

Comparison shopping is one of the best ways to find the right insurance policy at the right cost. It can take a lot of time to research and then individual insurance providers. If you’re a business owner, you don’t have that kind of time. So, how can you make the process easier and faster?

Consider using our site to do your insurance policy research. When using MyMoneyComparion.com to find vehicle sales insurance, the process is easy and painless! It’s fast to compare insurance quotes directly on our site.

We only work with highly esteemed vehicle delivery & collection insurance brokers. They have the knowledge and expertise to help you find a policy that works for your business at a price you can afford.

All you need to do is fill out our simple form, hit “Enter,” and wait for quotes to show up from our insurance partners. You’ll receive detailed quotes, which are easy to compare. Our partners ensure you have a customized policy that fits your business requirements.

Whether you work part-time or full-time, we make it easy to find vehicle sales insurance. And if you have questions about the policies, be sure to reach out to the individual insurers. They can help you find the best insurance for your company. So, why not get your vehicle sales insurance quotes today?

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Completely free Takes less than 3 minutes