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Traders Combined Insurance

Combined Motor Trade Insurance for Business Premises, Liabilities, Business Interruption, Engineering Inspection, and more

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Traders Combined Insurance

Motor Trade Combined Insurance is designed to cover full-time motor traders working from business premises. In addition to road risks insurance for vehicles under your care, custody and control, your traders combined insurance can cover your business premises, tools and equipment, and a range of other flexible covers tailored to your needs.

At Kingfisher, one of our experienced account executives will visit your business to assess what you do and talk you through the covers required, to ensure that your insurance cover reflects the individual risks you face.

What does motor traders combined insurance cover?

Your traders combined insurance policy can include:

  • Road risks insurance
  • Motor trade business premises insurance
  • Tools and equipment cover
  • Employers’ Liability insurance
  • Public Liability insurance
  • Professional Indemnity insurance
  • Vehicles stored on-site
  • Money cover
  • Service and sales indemnity (also known as defective workmanship cover)
  • Loss of MOT licence cover
  • Directors’ and Officers’ insurance (also known as Management Liability cover)
  • Engineering inspection cover
  • Business interruption insurance

We will take the time to visit you and understand your needs, to provide a policy that is tailored to your business – so you can sleep easy at night.

Service and repair garage premises

Why choose Kingfisher for Traders Combined 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

Who needs motor trade combined insurance?

Professional motor traders who trade from business premises – whether that is a garage, a sales forecourt, a vehicle body shop, a storage yard, a lock-up facility, or any other place where vehicles are serviced, repaired, sold, or stored – should look to cover their business with traders combined insurance.

What type of businesses benefit from traders combined insurance?

Businesses who will benefit from motor traders combined insurance include:
> Service & Repair Garages
> Vehicle Recovery Operators
> Classic, Specialist and Prestige Vehicle Motor Traders
> Vehicle Body Shops
> MOT stations
> Vehicle Detailers
> Dealerships & Vehicle Sales

What does business premises insurance cover?

This insurance provides cover for the fabric of the building you are working from. Should the building itself suffer insurable damage or need to be rebuilt, your motor trade business premises insurance can respond to a claim. If your building is mortgaged, this cover may be required by your mortgage provider, but it’s important to have in place anyway should you need it. If you lease your premises, check with you landlord if they have insurance in place that covers your premises.

What tools and equipment are covered under a traders combined policy?

Motor traders use specialist equipment to repair vehicles, from lifting tables and ramps to paint spray booths and diagnostic equipment. Your motor trade combined policy can cover these, as well as portable hand tools which you may use off-site.

What is stock of vehicles motor trade insurance?

This covers the value of vehicles stored on-site overnight at motor trade business premises, with the limit agreed in advance. Speak to us about getting the appropriate level of cover for your business, to ensure you are not out of pocket should damage or theft of vehicles occur. If you underinsure your stock, you may also have issues when you come to make a claim, so ensure you get advice from the specialist Kingfisher Motor Trade team.

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

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