Motor trade combined insurance

Combined motor trade insurance with Prime Cover will cover various risks for businesses operating in the motor trade industry. Whether you work from a garage, dealership or are a mobile mechanic, Prime Cover has the right combined motor trade insurance policy for your business.

-Various levels of cover under a single policy
-Protect your vehicles, customers, staff and property
-Affordable policies for your motor trade business

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Our Combined Motor Trade Insurance

Your motor trade business will be completely secured with our combined motor trade insurance, giving you total peace of mind. The range of coverage includes liability to cover any third-party claims for injury or damage to property caused by your business. Along with protection for your premises, equipment, tools and stock, business interruption to prevent financial loss and motor trade road risk to protect against any third-party claims that involve harm caused by vehicles under your care, control or custody.

The breadth of your policy can also cover:

  • Directors’ and officers’ insurance – for claims against you as the business owner.
  • Cover for engineering inspection – safety assessment of the equipment you use.
  • Sales and service indemnity – protecting against claims of injury or accidental damage as a result of fitting parts or a vehicle/product sale.
  • Loss of MOT licence – specialist insurance to cover losing the ability to issue MOTs.

As every business is unique, each will need a customised policy to meet the specific requirements of your company. For example, some businesses may need to get trade plate insurance as part of the combined policy while others won’t.

Our team of knowledgeable insurance brokers will collaborate with you to design a policy that offers motor trade combined insurance at an affordable rate.

How Much Does Combined Motor Trade Insurance Cost?

The cost of combined motor trade insurance will vary significantly based on a variety of factors, and each policy we provide will be shaped around your business. Some of the main factors that have to be considered to create motor trade insurance quotes include:

  • The nature and size of your business – are you a full-time or part-time motor trader?
  • The location of your motor trade business
  • Your level of security on premises
  • The number of employees
  • The types and value of equipment and vehicles handled
  • Your claims history

Other considerations will be unique to your circumstances, meaning each policy price will be tailored to your business.

Benefits of Combined Motor Trade Insurance With Prime Cover

Ultimately, in the volatile landscape of the motor trade, our combined policy and expert team can stand as your dedicated companions to enable you to channel your energy into your business growth. With Prime Cover, you can have a single policy to cover multiple aspects of your business, fostering resilience and prosperity.

Comprehensive Coverage – Have one policy that covers everything from liability and property damage to business interruption.

Flexibility – We champion customisable policies that align with your company, tailor-made to ensure premium protection at competitive rates.

Protection for Customers and Employees – Our combined motor trade insurance is a barricade against financial implications arising from employee injury or illness and property damage for a customer.

Cost-Effective – By having one policy instead of several different ones, you’ll make significant cost savings.

Comprehensive Coverage

One policy that can cover everything from liability, property damage to business interruption and motor trade road risks – our policy is crafted to shield you from all unforeseen challenges.


We recognise that no two businesses are the same so our policy is rooted in flexibility. We champion customisable policies that align with your company, tailor-made to ensure premium protection at competitive rates.

Protection for Customers and Employees

Our combined motor trade insurance is a barricade against any financial implications arising from employee injury or illness connected to their work, and any potential liabilities connected to medical expenses or property damage for a customer.


By having only one policy instead of several different ones, you will make a significant cost saving, converging the twin benefits of comprehensive protection and financial savings.

What Does Combined Motor Trade Insurance Cover?

As each business’s needs will be different, the variety of coverage in your combined policy could include:

For more information on the types of insurance we provide, get in touch with our team.

Which Businesses Can Combined Motor Trade Insurance Cover?

Various businesses in the motor trade industry can benefit from combined motor trade insurance, with a bespoke combined policy to suit.

  • MOT Stations

    As these certify the roadworthiness of cars, a slight error can lead to major repercussions, and wrongful certification can cause legal challenges.

  • New and Used Car Sales

    Vehicle sales businesses hold valuable stock, and risks include theft, vehicle damage on premises and liability from the sale of a faulty vehicle.

  • Dealerships

    Similar to car sales, dealerships have extensive stock and often offer services like repairs, making their risk profile broader.

  • Auto Electricians

    With the intricate nature of modern car electronics, a small error for auto electricians can lead to significant malfunctions or safety risks for drivers.

  • Service and Repair Garages

    These establishments deal with a plethora of vehicles daily and the risks involve accidental damage during repairs, potential injuries onsite or a misdiagnosis of a vehicle issue.

  • Other Motor Trade Business With Stock or Premises

    Vehicles in transit pose many different risks and will require coverage like road risk insurance and public and employers’ liability.

  • Recovery Operators

    Their work involves the potential for road accidents, damage during vehicle recovery, or liabilities while operating in hazardous conditions.

  • Car Valeting

    Moving, cleaning and valeting other peoples’ vehicles come with risks of damage, spills and other accidents to both property and the public.

  • Classic Car Restoration

    Handling vintage cars carries the risk of damaging irreplaceable parts and the value of the vehicles is also a higher potential liability.

Our Customers Trust Us!


The specific coverage you need depends on the nature and scale of your motor trade business. At a minimum, you'll need road risk cover if you're driving vehicles as part of your operations and if you have employees then employers' liability is a must. If you interact with the public then public liability insurance is crucial.

Beyond these, consider premises insurance if you own a workspace, product liability for parts or vehicles sold, business interruption for potential loss of income, and material damage for tools and equipment. Get in touch with one of our friendly team who can help tailor a policy to your exact needs.

If you need to make a claim on your motor trade insurance policy, the first step is to contact our dedicated claims team as soon as possible. They'll guide you through the claims process. Typically, you'll need to provide details about the incident, along with any relevant documentation, such as photos or police reports, and potentially get estimates for repairs.

After evaluating the claim, the insurance company will determine the payout amount, if applicable. It's vital to be truthful and detailed in your claim, as discrepancies can lead to denied claims.

Generally, a motor trade combined insurance includes road risk which will allow policyholders to drive any vehicle as part of their business operations.

However, the specific conditions can vary based on the policy. Some policies might only cover certain vehicles or have restrictions based on the car’s age, value or type, so it’s crucial to check the terms of your policy and know exactly which vehicles and who is covered.

Motor trade combined insurance is not legally required, but having appropriate motor trade insurance is necessary to cover various business risks and comply with legal obligations.

Usually, motor trade combined insurance covers driving any vehicle in connection with the business, but specific terms vary by policy. We can outline your unique policy details for exact coverage.

Good ways of reducing costs on your motor trade combined insurance include increasing your security measures on site, maintaining a good claims history, choosing higher excess options and comparing quotes from multiple insurers. Prime Cover provides combined motor trade insurance policies at affordable rates.

Cost factors include the size of your business, the types of vehicles handled, coverage levels, location, claims history and additional services provided.

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