What kind of businesses need motor trade insurance?


To run an efficient and smooth business, you need to keep your insurance up to date. After all, insurance can help keep customers and the business itself, safe. If you deal with cars then you might need motor trade insurance, but what specific businesses does this apply to?


Mechanics definitely need to consider motor trade insurance. Regardless of whether you’re working part-time or full-time, from home or from a specific garage, specific insurance can be vital. Motor trade insurance can cover your tools, machinery, building and can even cover you when you’re driving customers’ vehicles.

Car wash/valets

Both car washes and valets will be handling customers’ cars every single day. No matter how much care you take, there’s always a chance that something will go wrong – even if you haven’t made a mistake. The best way to prepare for this is by securing the appropriate insurance to cover customers’ cars when you’re looking after them.

Tyre fitters

Tyre and exhaust fitters will need to also think long and hard about getting motor trade insurance. Not only can this protect customers’ cars while you’re in possession of them, but it can also cover the tools and parts you use. On top of this, motor trade insurance also has the potential to cover your premises and the contents of your building too.

Car recovery services

Vehicle recovery services have to use specialized lorries and trucks to be able to collect cars and remove them from an accident or a breakdown. When these vehicles go wrong, it can be costly to repair and impact the work you can get through. As such, you’ll be looking for specialized insurance that can cover you in this situation. At the same time, motor trade insurance can cover third-party cars and ensure that if any mistakes are made you won’t be liable.

Car dealerships

The most profitable car dealerships will be trading hundreds of vehicles a week: including purchasing vehicles and selling them on. This involves employees driving and looking after multiple cars at once. In this situation, you’ll be liable without insurance. Motor trade insurance can help cover your whole inventory and give you peace of mind with an expensive stock. On top of this, it can protect your showroom and its contents aside from your inventory.

For your business to thrive, you need to prepare carefully to deal with any nasty surprises. The best way to do this is with insurance. And in the car industry, specialized motor trade insurance is the most appropriate option. This can cover you while working with vehicles and can protect your building and anything in it.

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