Motor Trade Combined Insurance
Protect your motor trade business with a motor trade combined policy arranged by specialist motor trade experts
Motor Trade Combined Insurance
Whether you run a garage, dealership, MOT station, bodyshop, or vehicle recovery business, motor trade combined insurance provides comprehensive protection for your operation. A tailored insurance policy can protect your vehicles, premises, tools, equipment, liabilities, and business income, helping you stay protected against the risks of the motor trade industry.
At Kingfisher Insurance, our experienced motor trade specialists take the time to understand your business and arrange cover that reflects your individual needs. From road risks insurance through to stock vehicle cover and business interruption protection, we’ll help you find the right solution for your business.
What is Motor Trade Combined Insurance?
It’s a comprehensive insurance solution designed for motor traders operating from business premises.
Instead of arranging multiple standalone policies, a combined motor trade insurance policy protects key areas of your business under one tailored package. Depending on your requirements, cover can include road risks insurance, premises insurance, tools and equipment cover, liability insurance, stock vehicle cover and business interruption protection.
This flexible approach protects your business against a wide range of risks while making insurance administration simpler and more efficient for you.
What Does It Cover?
We understand that every business is different, so we can tailor your policy to your specific requirements. This may include:
Road Risks Insurance
Road risks insurance covers vehicles in your care, custody or control while being driven for motor trade purposes. This often forms the foundation of a traders’ combined insurance policy.
Tools and Equipment Cover
From hand tools and diagnostic equipment to ramps and specialist machinery, your policy can help protect essential equipment used in your daily operations.
Public Liability Insurance
Public liability insurance can provide protection if a third party suffers injury or property damage as a result of your business activities.
Business Interruption Insurance
Business interruption cover can help replace lost income and ongoing expenses if your business cannot operate following an insured event.
Business Premises Insurance
Motor trade premises insurance can protect your buildings against damage from insured events such as fire, flood, storm damage, and vandalism.
Stock of Vehicles Cover
If you hold vehicles on-site for sale, repair, or storage, stock vehicle cover can protect them against risks such as theft, fire, and accidental damage.
Employers’ Liability Insurance
If you employ staff, employers’ liability insurance is usually a legal requirement and can protect your business against employee injury claims.
Professional Indemnity Insurance
Professional indemnity insurance can protect you against claims related to professional advice, recommendations, or services your business provides.
Who Needs This Insurance?
This is a policy that is suitable for a wide range of motor trade businesses, including:
- Vehicle sales businesses
- Independent car dealerships
- Service and repair garages
- MOT testing stations
- Vehicle bodyshops
- Vehicle restoration specialists
- Vehicle detailers and valeters
- Vehicle recovery operators
- Commercial vehicle repairers
If your business operates from premises and has responsibility for customer vehicles, equipment or stock, a motor trade business insurance policy can provide valuable protection.
Speak to one of our specialist advisers today to discuss your requirements.
Why Choose Kingfisher for Motor Trade Combined Insurance?
Dedicated Motor Trade Specialists
Our experienced advisers understand the unique risks faced by the motor trade industry
Personal Service
You’ll receive support from a dedicated team throughout your policy term
Tailored Cover
We take the time to understand your business before recommending the appropriate level of protection
Frequently Asked Questions
What is motor trade combined insurance?
It’s a package policy designed for motor traders operating from business premises. It combines road risks insurance with additional cover for buildings, tools, equipment, vehicle stock, liabilities, and business interruption.
Who needs this insurance?
Businesses operating in the motor trade from commercial premises may benefit from motor trade combined insurance. This includes garages, dealerships, body shops, recovery operators, MOT stations, and vehicle restoration businesses.
Does it include road risks cover?
Yes. It can include road risks cover, allowing you to drive vehicles connected with your motor trade business, subject to your policy terms and conditions.
Does it cover tools and equipment?
Most motor trade combined insurance policies can be extended to cover tools, diagnostic equipment, ramps, machinery and other specialist equipment used within your business.
What is stock vehicle cover?
Stock vehicle cover protects vehicles held at your premises for sale, repair or storage against insured risks such as theft, fire and accidental damage.
How much does it cost?
The cost of combined insurance depends on several factors, including your business activities, premises, claims history, stock values, employee numbers, and the level of cover required. Our experienced Account Executives will discuss these factors with you and outline the cover level you need.
Explore Our Motor Trade Insurance Products
Specialist insurance for vehicle recovery operators
Cover for garages, MOT stations, vehicle restorers and more
Cover for traders of all sizes, from local traders to dealerships
