Understanding Part-Time Motor Trade Insurance

Motor trade insurance is absolutely vital for those working in the motor trade, including part time workers and business owners. That’s why, at Prime Cover, we offer part time motor trade insurance specifically tailored to those running a business on the side or trying to get their new enterprise off the ground.

motor dealer discussing insurance policies with the customer

In this guide, we’re going to run through what part time motor traders’ insurance is, the benefits, what it covers and who needs it. Get started now with a free part-time motor trade insurance quote online.

What is Part-Time Motor Trade Insurance?

Part-time motor trade insurance is the same as general motor trade insurance but with added flexibility and typically a lower price. It’s tailored to part-time motor traders and sectors that benefit from this include individuals or businesses who engage in motor trade activities on the side.
The insurance provides cover for driving or working on customer vehicles as well as your own. It can also cover the act of trading vehicles and often includes liability insurance and material damage coverage.


Part-time motor trade insurance has a range of benefits, including:

  • It’s tailored for businesses operating in the motor trade industry part-time
  • Cost-effective and flexible alternative to standard motor trade insurance
  • There’s a wide range of cover options available to suit your specific needs, with scalable policies to reflect your risk level

Key Components

Motor trade insurance for part-time use has the same features and scalability as regular motor trade insurance:

  • Road risk cover
  • Premises cover
  • Employer’s liability
  • Public liability
  • Directors’ and officers’ liability
  • Engineering inspection
  • Loss of MOT licence
  • Stock cover
  • Sales and service indemnity And more..

Contact Prime Cover today for a part-time motor trade insurance quote and we can discuss the level of coverage you need and get you the best protection at the best price.

What Will Part-Time Motor Traders’ Insurance Cover?

Let’s dive into a little more detail about some of those features and why they’re important.

Road Risk Insurance

An important component for covering any potential damage. Covers vehicles owned by, or in the custody of, the policyholder, allowing them to be driven on public roads for trade purposes. This includes moving vehicles between locations, test drives and deliveries.

Public and Employer’s Liability Insurance

Provides financial protection against claims made by third parties or employees for injuries or property damage caused by your business activities or their daily work.

Product Liability Insurance

This aspect of part-time motor trade insurance covers damage or injury caused to a third party by a product you have sold or supplied. Designed to cover the cost of claims including legal expenses and damages.

Material Damage Cover

Protects premises and equipment, including tools, machinery and office equipment. Essential for safeguarding expensive assets that would otherwise be difficult to replace.

Service Indemnity Insurance

Covers accidental damage to vehicles you are working on. Other additional features may include parts and accessories cover, vehicle stock cover, and business interruption insurance.

Advantages for Part-Time Motor Traders

Designed specifically for part-time motor traders, it offers great advantages over standard motor trade insurance and is a more affordable option. Industries that provide vehicle sales, repairs, servicing or restoration, can select coverages that are relevant to their specific activities, avoiding paying for any unnecessary additions.


  • Coverage ensures you meet all legal requirements.
  • Insurance provides financial protection against risks and damages.
  • Enhance company reputation by being properly insured.
  • Financial protection against various risks and liabilities that would otherwise be costly.

Who Needs Part-Time Motor Trade Insurance?

Part-time motor trade insurance is perfect for several trades: 

Vehicle Sales

This is a perfect, cost-effective solution for those looking to run a vehicle sales business on the side. You can indulge your passion and build your business with complete peace of mind.

Mobile Mechanics

For part-time mobile mechanics, our part-time motor trade insurance policies offer a flexible, scalable solution that’ll give you complete protection while working on customers’ vehicles.

Car Valeting

Mistakes can happen in any trade, and valeting is no exception. If you accidentally scratch a customer’s car or damage their interior you could be liable for the damage, causing heavy financial setbacks. Protect yourself with motor trade insurance.

Vehicle Collection and Delivery

When you’re moving other people’s vehicles around for a living there’s a high chance that at some point you’ll have an accident, and just the slightest scrape or dent can turn into a financial headache. With a motor trade insurance policy, you’ll be protected from hefty claim settlements.

Insurance for New Businesses

Businesses are at their most vulnerable when they’re new, and having the right insurance to protect your fledgling enterprise is crucial.

Auto Electricians

With a motor trade insurance policy, your side-line as an auto electrician will be secured against any claims relating to mistakes, damage to a customer’s vehicle, or even mishaps caused by faulty components.

How to Obtain Part-Time Motor Trade Insurance

Obtaining part-time motor trade insurance involves a few simple yet important steps.

  • Assess your needs: You want to make sure the cover you choose is relevant to your business
  • Gather necessary information: This would include the make and model of your vehicle, the nature of your business, and other aspects that pertain to your company. This information helps us assess your risk and quote accurately
  • Get a quote: Based on the information received, we can provide you with a bespoke quote tailored to your unique business to make sure you’re covered in case anything goes wrong

Navigating Part-Time Motor Trade Insurance

Importance of Regular Policy Reviews

Regular policy reviews allow for adjustments in coverage to protect against new risks or to refine existing policies for efficiency and cost-effectiveness, ensuring we eliminate any gaps in your coverage as well as keep you from paying for features you don’t need.

Adjusting Coverage for New Risks

It’s important to make sure that your coverage reflects new risks, such as a change in location, acquisition of new stock or if you employ a non-family member.

Why choose Prime Cover for part-time traders’ insurance?

Expertise and Experience

At Prime Cover, we don’t just moonlight in motor trade insurance; we specialise in it. With more than 40 years of experience, we’re able to offer some of the most in-depth and insightful support and advice available.

Tailored Coverage

We’ll build your part-time motor trade insurance quote around you and your needs to make sure that your policy best reflects your risk level. This way, you’re paying for exactly what you need, and nothing you don’t.

Customer Support

We pride ourselves on an exceptional level of customer support and even offer a 24/7 claims support line.

Get started today. Reach out to our friendly team on 01527 433 434 to discuss your part-time motor trade insurance and get a free, bespoke quote in no time.

Frequently Asked Questions

Part-time motor trade insurance is the same as regular motor trade insurance but tailored to be more cost-effective for those working part-time. It offers the same protections and can be scaled in just the same way.

Part-time motor trade insurance can be scaled to cover a range of operations and risks, including road risk cover, premises cover, employer’s liability, public liability, directors’ and officers’ liability, engineering inspection, loss of MOT licence, stock cover, sales and service indemnity and much more.

The cost of your policy will vary depending on your level of risk, including the value of your assets, where you operate, previous claims history and other specific factors. The best way to get an accurate idea of the cost of your policy is to request a part-time motor trade insurance quote.

Anyone working in the motor trade on a part-time basis will need motor trade insurance, from vehicle sales to mobile mechanics.

Getting a quote is easy. You can find one online through our website, by requesting a callback, or by reaching out to our friendly team by calling 01527 433 434 or emailing support@primecover.co.uk.