Whether you repair cars, buy or sell cars, you choose the indemnity level you need for your cover. We offer varying levels of indemnity that you can decide from regardless of whether you want a cover less than £50,000 or £5,000.
Dive Into Motor Trade Cover Made Your Way
Whether you're a part-time motor trader, run a car wash, and repair, or sell vehicles, you need motor trade cover. Here is what you can expect to from us:
Check all insurance types available below
Why You Should Choose Us
I4MT is a trading style of One Sure Insurance - one of the leading motor trade insurance brokers in the UK. Here's more about why you should opt to get insured via a broker:
An insurance broker is a licensed professional who helps businesses and clients find the right insurance coverage by comparing policies from multiple insurers.
Unlike agents who work for a single company, brokers act in the best interests of the client, offering independent advice and tailored solutions to meet specific needs. As a broker, our goal is to secure the best cover at the most competitive price on motor trade cover as well as the additional extra policies your business may need.
Motor traders benefit from using a broker because brokers understand the unique risks of the trade and can access a wide range of policies from specialist insurers.
Whether you’re a car dealer, mechanic, valet, or recovery agent, a broker ensures you’re not underinsured or overpaying. Brokers also handle paperwork, explain policy details clearly, and provide ongoing support in case of claims, ultimately saving you time, money, and stress.
* Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.
We Are Britains Cheapest Motor Trade Insurer Guaranteed*
We are so confident of our pricing that we challenge you to beat our guarantee!
We find customisable policies for insurance that truly suits your work.
From adding additional covers to increased indemnity levels, at Insurance4MotorTrade we work hard to provide you sufficient post-purchase services.
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Choose Your Indemnity
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Choice Of Add-ons
You choose the kind of protection you need. Third Party is the cheapest, but a comprehensive cover policy is wider with more cover thus protecting you from a lot more things, but without costing too much.
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Demonstration Cover
If showcasing your vehicles is important to your business, you may need a demonstration clause. Without this cover, you cannot let your customers test drive on public roads. We can add secure demonstration cover on any of our policies.
What Is Motor Trade Insurance?
Motor Trade Insurance is a specialist policy designed for businesses involved in buying, selling, repairing, or transporting vehicles.
It covers road risk (driving customer or stock vehicles), liability (for public and employee risks), and premises (tools, stock, and buildings). It’s essential for keeping your business protected against financial loss due to accidents, theft, or damage.
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Trusted Panel of Underwriters
We work with some of the biggest names in the UK; such as Tradewise, Tradex, Liverpool Victoria and Alpha.
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Make Changes When You Need To
Every year, we quote you an up-to-date price and give you the chance to automatically renew your policy.
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Renewals Made Hassle Free
Don't keep your business on hold with us. You can raise your indemnity level and cover as and when needed.
What Does Motor Trade Insurance Cover?
Motor Trade Insurance can cover a wide range of risks depending on the policy. Core features typically include:
- Road Risk: Drive customer or stock vehicles legally on public roads.
- Liability Cover: Protects against claims from the public or employees for injury or property damage.
- Premises Cover: Covers tools, equipment, vehicles, and buildings against fire, theft, or accidental damage.
- Combined Motor Trade Policy: Bundles all essential cover into one comprehensive package for larger or more complex businesses.
Cover can be tailored to fit everything from part-time traders working from home to full-scale dealerships and garages.
What Is the Average Cost of Motor Trade Insurance?
The cost of motor trade insurance varies widely based on several factors, including:
- Type and size of your business
- Level of cover required
- Number of drivers and their driving history
- Location and security measures
- Value of vehicles and tools
The best way to get an accurate price is to request a tailored quote from a broker – which is where we come in! Simply click the button above to get a quote and we can get the ball rolling, tracking down the policies you need.
Support
Comprehensive Support: Explore Our Resources and Get the Help You Need Anytime
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What you’ll need to make a claim
Find exactly what you’ll need to tell us, and how. So you can get your claim rolling right away.
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From looking after your policies, to looking for yourself, we can he;p you every step of the way.
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Frequently Asked Questions
We have a vested interest in your growth, and that is why we are always happy to help you.
If you’re involved in the motor trade, you’ll need to the right insurance cover.
It’s not just a legal requirement for driving vehicles on public roads, it’s vital protection for your business.
From accidental damage to customer vehicles to costly liability claims, a proper motor trade policy safeguards your finances and reputation, ensuring your business can operate smoothly even when the unexpected happens.
Not automatically. Motor trade insurance allows you to drive vehicles in connection with your business, such as customer vehicles or those you’re buying, selling, or repairing.
However, it doesn’t mean you can drive any car for personal use unless it’s specifically included in your policy. Always check the terms to see which vehicles are covered and under what circumstances.