Vehicle Dealer Insurance
Insurance for new and used vehicle dealers across the UK
Insurance for New and Used Vehicle Dealers
Whether you’re an independent used car dealer, a franchised dealership, or a multi-site vehicle sales business, protecting your stock, premises, employees and customers is essential.
At Kingfisher Insurance, we arrange tailored vehicle dealer insurance solutions for businesses across the UK. From vehicle stock and road risks cover to public liability and business interruption insurance, we will work with you to build a policy that meets your business’s needs.
Dealership Insurance Tailored to Your Business
We understand that no two vehicle dealerships are the same. Some specialise in prestige vehicles, while others focus on used cars, vans or commercial vehicles. That’s why we take the time to understand your operation and arrange cover that’s right for your business.
We can help seek cover for:
- Independent used car dealerships
- Franchise dealerships
- Prestige and performance vehicle dealers
- Van and commercial vehicle dealers
- Motorcycle dealerships
- Electric vehicle dealerships
- Multi-site dealer groups
- Vehicle sales businesses with servicing facilities
What Does Vehicle Sales Insurance Cover?
Vehicle sales businesses face a range of risks, and the cover needed will vary depending on the size of your business, stock values, your premises, and the activities it undertakes. At Kingfisher Insurance, we take the time to understand how your dealership operates so that cover can be tailored to your individual requirements.
Cover can include:
Vehicle stock insurance – for vehicles held for sale on your forecourt, showroom or storage premises.
Road risks insurance – for driving vehicles in connection with your motor trade business, including vehicle collection and customer test drives.
Buildings and contents insurance – to help protect your business premises, office equipment and on-site assets.
Employers’ liability insurance – for businesses that employ members of staff.
Directors and Officers’ insurance – to help protect senior decision-makers against certain management-related claims.
Public liability insurance – to help protect against claims from customers, visitors or members of the public.
Business interruption insurance – to support your business following an insured event that affects your ability to trade.
Service indemnity cover – where servicing or repair work is carried out.
Money and key cover – for additional protection against loss or theft.
Engineering inspection cover – to protect certain equipment and machinery.
Vehicle Stock Insurance for Car Dealers
For many dealerships, your vehicle stock represents the largest business asset. Whether your vehicles are displayed on a forecourt, stored in a secure compound or housed within a showroom, having suitable vehicle stock insurance can help protect your business against unexpected losses.
Vehicle stock insurance can provide protection against:
- Theft or attempted theft
- Fire damage
- Storm and flood damage
- Accidental damage
- Malicious damage
- Damage while vehicles are stored on-site.
Our experienced motor trade team can discuss your stock levels, vehicle values and security arrangements to help ensure your dealership has the appropriate protection in place.
Why is vehicle stock insurance important?
A single incident involving multiple vehicles could result in a significant financial loss. Vehicle stock insurance helps dealerships protect their investment and continue trading following an insured event.
Common Risks Facing Vehicle Dealers
Vehicle dealerships often have significant capital invested in stock, premises and people, and unexpected events can quickly affect your ability to trade.
From severe weather damaging vehicles on display to customer accidents, theft or disruptions that impact sales, we understand that dealerships face a unique set of challenges that require specialist insurance considerations.
Some of the most common risks facing vehicle sales businesses include:
- Theft or attempted theft of stock vehicles
- Damage to vehicles caused by fire, flooding or storms
- Accidents during customer test drives
- Public liability claims involving customers or visitors
- Employee injuries and workplace accidents
- Vandalism and malicious damage
- Loss of income following a major insured event
- Damage to business premises, tools and equipment.
By understanding how your business operates, we can help arrange cover that reflects the specific risks faced by your dealership and provide protection where it’s needed most.
Why Choose Kingfisher for Vehicle Dealer Insurance?
Nationwide Coverage
We work with dealerships and vehicle sales businesses throughout the UK.
Motor Trade Expertise
Our experienced team understands the challenges your business faces.
Tailored Insurance Solutions
We take time to understand your business and arrange cover that reflects your individual requirements.
Frequently Asked Questions
What is vehicle sales insurance?
Vehicle sales insurance is designed specifically for businesses that buy, sell or display vehicles. Cover can include road risks insurance, vehicle stock protection, public liability, employers’ liability and premises insurance.
What is vehicle stock insurance?
Vehicle stock insurance helps protect vehicles owned by your business whilst they are stored, displayed, or awaiting sale. The policy can protect against risks such as theft, fire, flood and accidental damage, subject to the terms of your policy.
Do I need road risks insurance as a vehicle dealer?
If you drive vehicles in connection with your motor trade business, you are typically required to have road risks insurance. This can include collecting vehicles, moving stock between locations and carrying out customer test drives.
Can you insure high-value or prestige vehicles?
Insurance may be available for businesses that sell high-value, prestige or performance vehicles. Our team will discuss your stock profile and insurance requirements to find suitable cover options.
Can I cover multiple dealership locations under one policy?
Yes, multi-site dealerships can often be covered under a single insurance arrangement, depending on the nature of the business and the insurer’s requirements.
How much does dealership insurance cost?
The cost depends on a range of factors, including stock values, claims history, security measures, business turnover, location and the level of cover required. Our expert team will take the time to understand your business and the level of cover you need.
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