About Motor Trades Insurance

The most common misconceptions about motor trade insurance are forgetting that you need to let your provider know about any vehicles you are using for trade, and not understanding how private policies differ from third party only policies.

With extensive experience in the insurance industry, our team is perfectly poised to provide you with quality insurance advice.

Get professional advice from the industry experts

Insurance for the motor trades industry can be complicated. That’s why we have put together a dedicated team of brokers that specialise in insurance for mechanics, smash repairers and auto electricians in particular.

Our motor trade insurance is designed for those working in the motor trade to cover vehicles and other vehicles in their care. This includes those you have purchased, vehicles that belong to your customers and any other vehicles that are under your control (such as when you are servicing or repairing them).

Through years of experience and claims management, our team has developed an understanding of the unique risks facing the motor trades industry. We have excellent relationships with insurers and detailed knowledge of the coverage afforded under their policy wordings.

Unique risks facing the motor trades industry

In addition to the usual risks facing most businesses, there are some unique risks that need to be considered when designing an insurance package for mechanics, smash repairers, and other associated industries.

Faulty workmanship is a recognised cause of claims in the motor trade industry. Let’s face it, mistakes happen and when working on something as complex as an engine, you are likely to see some errors along the way.

These can lead to incorrect repairs or rectification work that has resulted in significant damage to the vehicle or other property.

We provide advice designed specifically to address such issues, with a sub-limit of cover for rectification of faulty work.

Customers vehicles – As a mechanic or panel beater, accidental damage to one of your customers cars while at your workshop is a real risk.

Under a motor trades insurance policy, you can select to insure your customers vehicles while at your workshop.

Don’t lose sleep over your customers cars at your workshop. We can design an insurance package that keeps your customers covered.