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Combined Motor Trade Insurance
Bespoke insurance to keep your business motoring
0330 024 0015
The Combined Motor Trade Insurance Specialists
Combined Motor Trade Insurance
Keep your business motoring with bespoke combined trade insurance.
To keep your business in the fast lane, protect it with a fully tailored combined motor trade policy to suit your specific needs, incorporating road risks, premises, stock and liability.
Our service includes a free, no-obligation site visit so we can accurately determine your specific business risks, present them to our panel of specialist motor trade insurers and secure the best bespoke quote insurance quote for you.*
That's one tailor-made policy, one premium, one renewal date. Easy and effective.
Our specialist commercial insurance team serves all kinds of motor trade businesses. These include everyone from sole traders to national motor dealership networks, including bodyshops, garages, restoration specialists, motor and motorcycle dealers.
What does combined motor trade insurance cover?
We can expertly design a motor trade combined insurance policy to incorporate only the types and levels of cover your business requires.
These include:
- Road risks
- Vehicle stock
- Tools & equipment
- Engineering inspection cover
- Loss of MOT licence
- Business premises
- Service and sales indemnity
- Business interruption
- Employers' liability
- Public liability
- Directors & officers
Please see below for more details of the covers listed above.
To arrange your free on-site risk assessment and determine your business's combined motor trade insurance requirements, click to email or call.
* Please ask for details of the specialist motor trade insurers on our panel.
Policy limits apply and insurance cover subject to meeting underwriters' criteria.
Free on site risk assessment
All motor trades
Road risks - including test rides/drives
Vehicles, tools & equipment
Engineering inspection cover
Loss of MOT licence
For the best quote chat to our friendly and informed UK based call centre team
The covers we can arrange under your tailor-made combined motor trade policy include:
Road Risks
Road risk insurance is a legal requirement when driving vehicles in connection with your business, such as a customer vehicle left with you for fault diagnosis, repair or sale.
We can arrange Third Party, Third Party Fire & Theft (TPFT) and Comprehensive insurance as well as demonstration (test drive/ride) cover.
Vehicle stock insurance
Protects against theft, fire and flood risks to vehicles kept on your premises overnight.
Tools & Equipment insurance
We can arrange precise cover to protect your specialist equipment, including ADAS calibrators, extraction systems, lifts, ramps, spray booths and wheel aligners, as well as portable hand tools.
Engineering inspection cover
Provides cover for certified safety assessments of the equipment you use in your trade.
Loss of MOT licence insurance
Specialist cover for garages covering the loss by the policyholder of a DVSA MOT testing licence.
Business Premises insurance**
Available whether you lease or own your business premises, this covers the structure of your building(s), fixed assets such as MOT and alignment lifts and loss of trade through business interruption caused by an insured event such as fire, flood, theft or vandalism.
If you own your own premises, this will cover the rebuild or repair costs.
If you lease your premises it can cover improvements you have made and liabilities to your landlord under your lease agreement.
Service & sales indemnity insurance
This covers against claims of injury or accidental damage following the fitting of parts or sale of a vehicle.
Business interruption insurance
Business interruption cover protects against losses caused if you are unable to access your premises due to fire, flooding, natural disaster or other specified perils.
Employers' liability insurance
Legally required for all businesses (except sole traders), employers liability insurance ensures that your business is protected from legal and settlement costs arising from an employee's claim for a work-related injury or illness.
Public liability insurance
Whilst not legally required, it’s best practice to secure public liability insurance as it protects against claims arising if someone is injured, dies or suffers loss or damage to their property through the actions of your business. £1-£10 million+ cover options.
Directors & officers’ insurance
D&O insurance protects you against claims made against your business’s principals rather than the business itself.
To arrange your free on-site risk assessment and determine your business's combined motor trade insurance requirements, click to email or call.
* Please ask for details of the specialist motor trade insurers on our panel. ** If you lease your property, please check with your landlord to determine if they have insurance and on what basis.
Policy limits apply and insurance cover subject to meeting underwriters' criteria.
OTHER PRODUCTS YOU MAY BE INTERESTED IN
WE PREFER TO TALK
WHY CHOOSE PRINCIPAL INSURANCE?
Because we put our policyholders first, we now serve around 40,000 motorcyclists, motorists, classic car enthusiasts, van drivers, couriers, motorhome owners, homeowners and motor trade professionals nationally.
Whilst we embrace the latest quote and administration technologies, you might say we’re a bit old school.
That’s because we’d prefer to talk to you in order to get the best possible understanding of your needs. That then means we are properly equipped to seek out the best deal for you from our extensive panel of leading UK insurers.*
What’s more we are able to give motorbike insurance, car, van, motorhome, multi-vehicle, home and commercial insurance quotes.
Our impressive growth has been achieved not through multi-million pound marketing campaigns but by delivering old fashioned service.
That can mean finding you the lowest possible insurance quote from our panel of insurers or, if you need make a claim, ensuring that you have access to specialist assistance so that the process is as prompt and painless as possible.We’re a company with personality, one that instead of demanding staff always follow stringent call scripts and call length targets, encourages them to chat so they can provide you with the highest quality of service.
An independent broker, we source the best quotes from the UK’s leading specialist insurers.With no call length targets, our experts take the time to find you the best deal.We’re here to help – with dedicated claims and customer service support.Our quotes hotline open weekdays 9.00am-6.00pm and Saturdays 9am-1pm.
For the best quote chat to our friendly and informed UK based call centre team