Motor Trade Insurance

Motor Trade Insurance

Specialist insurance provided with a traditional, personal service

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Motor Trade Insurance

Kingfisher has created a modern product for today’s professional motor traders. Our motor trade insurance covers service and repair garages, vehicle recovery operators, vehicle dealers, bodyshops, detailers, and many other full-time motor trade businesses.

When you become a client of Kingfisher, you and your business are looked after by an established and experienced team of motor trade insurance specialists.

Motor traders look to provide good service and deserve good service in return – and that’s what you get with Kingfisher. By visiting your business, we get to know you, understand the unique risks you face, and provide suitable insurance to meet your needs.

The simple way to get motor trade insurance

An insurance broker should have experience of the risks you face in the motor trade and the policies you need to protect your business. We help you ensure your insurance is fit for purpose and you have a level of cover that is appropriate for what you do.

With Kingfisher, you’ll be backed by a team that lives and breathes motor trade insurance. We work selectively with insurers to provide a great service. We’ll be on hand to assist you from the moment you take out your policy through to help with insurance claims, protecting your business and offering you peace of mind – so you can sleep easy at night.

Whether your insurance is due for renewal now or sometime in the future, please call us for a no-obligation discussion of your arrangements and see how we can help. Alternatively, let us know your renewal date to request a quote from our friendly and knowledgeable team and we’ll be in touch with you.

Who can get motor trade insurance?

Motor trade insurance from Kingfisher covers a range of businesses, including:

We provide traders combined and road risks cover for motor trade professionals in these sectors, and more.

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Why choose Kingfisher for Motor Trade Insurance?

Nationwide Coverage

We visit premises across the UK

Personal service

From a dedicated team of motor trade insurance experts

Product coverage

Whatever your motor trade, we’ll seek insurance for your needs

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Frequently Asked Questions

What is motor trade insurance?

Motor trade insurance provides cover for businesses involved in working with vehicles to make a profit.  This includes businesses involved in servicing, repairing, selling, maintaining, valeting, detailing, recovering, transporting, or otherwise working with vehicles. Any business aiming to profit from activity in these areas will require motor trade insurance. Motor trade insurance is not suitable for any other purpose.

What does motor trade insurance cover?

Motor trade insurance covers the specific risks faced by businesses working with vehicles. These include road risks cover for motor trade purposes, combined all risks cover, goods in transit, engineering breakdown and inspection, personal accident cover, commercial legal expenses, management liability (otherwise known as Directors and Officers’ insurance) and cyber insurance. We aim to determine which of these covers you will benefit from and provide suitable motor trade insurance for your business.

Which businesses does Kingfisher provide insurance for?

Kingfisher provides insurance to specialist motor traders typically operating from business premises. We usually offer road risks insurance as part of a traders combined package. After initially speaking to you to confirm what you do, we will visit your business to determine your requirements. Our experienced account executives know all types of motor trade business and will help ensure you have appropriate cover for your needs so you’ll be in safe hands.

What is traders combined insurance?

Traders combined insurance brings several different insurance covers you might need into one policy. Alongside road risks insurance, these can include cover for business premises you own or rent (if not covered by your landlord), your own vehicles and customer vehicles used in the motor trade, machinery and plant, defective workmanship, money, tools, employers and public liability, business interruption, and more. Your traders combined insurance will be tailored to your unique requirements to include essential and optional covers.

What are the key features of Kingfisher Motor Trade Insurance?

Our motor trade insurance provides full theft cover, cover for Director and spouses’ vehicles, automatic cover of £250,000 for customer vehicles, loss of MOT cover, and £50,000 increased cost of working cover as standard. Additionally, subject to T&Cs, we offer market value settlement on claims, retrospective rebates for good claims experience, and an excess waiver condition on our policies. Please speak to us for more information and an explanation of how this works.

Who are the Kingfisher Motor Trade Insurance team?

The insurance professionals at Kingfisher Motor Trade are well-known and respected in the industry, with over 100 years of collective experience in providing insurance for motor traders. We offer a personal service and want to make the experience of purchasing and looking after your insurance needs as hassle-free and straightforward as possible. We use strong, financially stable, specialist insurance companies, who understand the motor trade and deliver products tailored to your needs.

Explore Our Motor Trade Insurance Products

Specialist insurance with a traditional, personal service

Cover for garages, MOT stations, vehicle restorers and more

Specialist insurance for vehicle recovery operators

Cover for working with high-value vehicles

Cover for vehicle repairs, coachwork and paint spraying

Cover for service and repair garages with MOT testing

Cover vehicle detailers, including sports and classic models

Insurance for new and used car sales for dealers of all sizes

Combined Motor Trade Insurance 

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