Motor Trade Insurance

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Keeping your business and customers’ vehicles protected under one simple policy.

If you use vehicles as part of your business, then you need a special type of cover, Motor trade Insurance. This includes if your employees drive company or customers’ vehicles. In other words, if a vehicle comes under the responsibility of your staff then you need motor trade insurance. This is due to the higher risks you face dealing with vehicles on a more regular basis than the average car user.

At Alternative Insurance Brokers, we can cover your business. Whether you have multiple vehicles in action, or are a mechanic working on other people’s cars, we can help. We cover from 2 vehicles and upwards for flexibility. Also, we understand that everyone’s business is different. Therefore everyone needs different things from their insurance. By working closely with our panel of insurers we can make sure that you get the right insurance for your specific needs. Contact us for a quote that works for you.

Cover Details

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Road risk only motor insurance

Liability motor trade insurance

Combined motor trade insurance

Material damage cover availible

What We Offer

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Specialist team able to help find you the best policy

Policies for 2 vehicles or more

Flexible payment options

Wide panel of insurers availible

Motor Trade Insurance FAQs

What is motor trade insurance?

Motor Trade insurance is to protect professionals who work with or are responsible for business or customer vehicles. Therefore the policy includes cover for mechanics, valet businesses and car dealerships.

Why you can’t use car insurance for a motor trade business?

A majority of private car policies will exclude the use of motor trade in their terms and conditions. This means that if you are caught driving as a motor trader, on a private car policy, the insurers and police will treat this like having no insurance. This could lead to the vehicle being impounded, or not insured in the event of an accident.

Why is motor trade insurance more expensive for people under 25?

All motor insurance is more expensive for drivers under the age of 25. This is because drivers this age are seen to be a higher risk, and more likely to have an accident.

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