Motor Trade Road Risks Only
Our motor trade road risks policy is for established professional motor traders that have been trading for a minimum of 2 years.
We can offer Comprehensive, Third Party Fire & Theft, and Third Party Only cover, with cover available for the Policyholder, Business Partners, their Spouses or Common Law partners and employees. It can include:
- Vehicle Indemnity Limit – up to £100,000
- Provides cover for any motor vehicle which is the property of the policyholder or held in trust by the policyholder or in their custody or control for their motor trade purposes
- Up to 5 named drivers
- Minimum age 25
- Max 10 vehicles
- NCD rated
We can offer cover across a variety of key trades including:
- Mechanical Repairs
- Valeting
- Body Repairs
- Auto Electricians
- Accessory Fitters
- Motor Vehicle Engineers
Motor Trade Combined
Our motor trade combined policy is for full time traders age 25-75 that have been trading for a minimum of 2 years.
Traders must have a business located in Great Britain, the Channel Islands, the Isle of Man, and Northern Ireland. Whilst operating from their own suitable commercial business unit that is in good condition and of standard construction.
Key trades include:
- Car, Motorcycle & Commercial vehicles – Sale, Service & Repair
- Tyre & exhaust fitters
- Auto electricians
- Windscreen fitters & repairers
- Vehicle valeting & detailing
- Paint spraying
Key vehicles include:
- Private vehicles – up to £60,000
- Commercial vehicles – up to 7.5T
- Motorcycles
This policy has mandatory sections that include, road risks, physical damage, and public liability.
Specialist
Our specialist motor trade policy is for traders that have operated for a minimum of 2 years with a business located in Great Britain, the Channel Islands, the Isle of Man, and Northern Ireland.
Traders should be operating from their own suitable commercial business unit that is in good condition and of standard construction. At least 25% of your business annual turnover must relate to specialist and classic vehicles.
This includes:
- Vintage, veteran, or historic vehicles
- Historic racing vehicles
- Collectable vehicles
- Motorcycles – mostly registered pre-2000
- Vehicles of limited production – includes old and modern
- High performance modern/future classic vehicles
- Super cars
Key trades include:
- Engineering & restoration
- Detailers & valeters
- Museums – classic vehicles
- Painting/paint priming specialists
- Race prep including trackside mechanics – historic/classic vehicles only
- Sales of own stock and/or vehicles held on sale or return
- Storage risks
- Trimmers
- Specialist transportation
- Mixed activity such as sales and restoration
Motorsport
Our motorsport policy is an off-track insurance solution in support of the UK motorsport industry and designed for motor traders who are involved in motorsport.
This policy is for those that have operated for a minimum of 2 years with a business located in Great Britain, the Channel Islands, the Isle of Man, and Northern Ireland. Business owners should be operating from their own suitable commercial business unit that is in good condition and of standard construction.
A minimum of a 5% motorsport turnover is required to qualify.
Key trades include:
- Amateur motorsport teams
- Engineering & restoration
- Motorsport vehicle sales
- Motorsport preparation & on-event support
- Sales of motorsport vehicles or motor vehicle parts and accessories
- Manufacturing or engineering of parts
- Specialist transportation
- Mixed activity such as sales and restoration
- Motorsport related businesses such as fabricators, parts providers, and suppliers of equipment
- Rally or race car hire
Risks that require ‘Internal Covers’ only can be considered.
Why Choose Us?
- We provide our broker partners with direct access to decision makers – so you can get an answer quickly
- We only focus on specialist and niche sectors – so we really know our stuff
- We are agile and can adapt to your changing needs – there’s no red tape here
- We are committed to helping our broker partners succeed – after all, what’s good for your business is good for our business
- We enjoy speaking to brokers about the products that we love, and we’re always ready to take your call
- We know it’s important to look after your customers in the event of a claim – so we provide a bespoke claims service for each individual product.
Other Motor Products
We offer a broad range of specialist motor insurance products to our brokers. These products accommodate most risk types and customer needs.
