Trusted Provider of Motor Trade & Commercial Insurance

At Prime Cover, we understand the unique needs of businesses in the motor trade & commerical industry and have designed a range of insurance policies to protect your business from potential risks.

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Quality Work Through Dedication

We believe in giving every customer the highest level of service and always aim to inform and educate you on your options with clarity that cuts through jargon and technical language. With over 40 years of experience in the industry amongst our senior management team, you can rest assured you’re in safe hands.

Friendly Staff

No-nonsense insurance advice without the jargon

We started the company to do just that – offer sensible, easy-to-understand help for business owners and their insurance needs. Clear and concise communication and honest and up-front advice every time.

  • Simple, clear process
  • Competitive pricing
  • 24/7 claims support

Motor Trade Road Risk Insurance

Anyone driving vehicles on the road for their business must have road risk insurance.

Motor Trade Combined Insurance

For road risk insurance combined with coverage for other risks on the same policy.

Recovery Truck Insurance

Operating in high-risk environments means getting your recovery truck insurance right is vital.

Vehicle Collection and Delivery

Collecting and delivering vehicles for a business needs specific insurance to keep you covered.

Trade Plate Insurance

Driving other people’s cars as part of your work means you need trade plate insurance.

Mechanic Insurance

When you repair vehicles you need insurance coverage for you and your customers.

Auto Electricians

getting the right auto electrician insurance is key to making sure that you are protected against any issues that could prove financially crippling without it.

Can’t find what you’re looking for?

Get in touch to see if we can help you.

Our Customers Trust us!

  • Mechanics

    Repairing vehicles will need insurance to cover the risk of damage to a customer’s property and the ability to test drive when necessary. Whether you’re a mobile mechanic, or working from a garage, you’ll need cover for your property, equipment and employees, and we can find it for you.

  • Vehicle Sales

    The ability to test drive a purchase for a customer can be the difference between making the sale or not, and insurance gives you the option. We understand the unique need for insurance for vehicle sales businesses and can find the perfect cover for you.

  • Valeters

    While taking care of your customer’s pride and joy, you want the security of knowing you’re covered if anything goes wrong. We offer comprehensive policies to protect your business, personal vehicles and customer’s property.

  • Body Repairs

    Repairing crash-damaged vehicles is precise work, that needs the utmost care, and we fully understand the risks involved with caring for customers’ vehicles. We can find the ideal policy to cover the risks you face in your business to give you peace of mind.

  • Self-Employed Workers

    When you work alone, you need to be supported by a bespoke insurance policy which will cover all elements of risk to protect your business. Whatever the nature of your business, you need the right level of coverage and we are confident we can find it for you.

  • Auto Electricians

    The wizards of the motor trade world, who understand how our mobile computers work, still need protection from the risks associated with their work. Taking care of customers’ cars and property, possibly driving them, operating in a public space and other activities all carry levels of risk that need coverage.

What level of cover do I need?

There are three main levels of coverage for your vehicle’s insurance. The most basic Third Party Only (TPO) is a legal requirement of being able to drive on the roads in the UK, but other packages provide coverage for greater levels of protection.

  • Third Party

    This protects you from paying for damages to other people’s vehicles and property and is the most basic level of insurance.

  • Third Party, Fire and Theft

    TPFT covers all that a TPO level will, but also provides coverage against the damages of potential fire or theft of the vehicle.

  • Comprehensive

    An all-encompassing protection which covers your own vehicle and injuries to yourself as well as anyone else.