Motor
Trade
Flexible Motor Trade Insurance for Every Kind of Business
Our Motor Trade range is designed to meet the varied needs of the industry – from part-time traders working from home to large, multi-site operations. Whether your Clients need cover for road risks, internal risks or a fully combined solution, each product offers tailored protection backed by market-leading expertise.
With flexible options, clear wordings and strong service support, we help brokers provide dependable, fit-for-purpose cover to motor traders at every stage of their business journey.
.jpg)
Key Features
Wide-Ranging Cover in One Policy
Road risks, liability, material damage, business interruption, and more — with extras like MOT licence loss and legal expenses.
Automatic Demonstration Cover
Standard inclusion, with unaccompanied demonstration available on request.
Flexible Road Risks Use
‘Any Employee’ for business use; named drivers for SD&P, with ‘any driver’ for SD&P available on referral.
Optional Loan or Hire Vehicle Cover
Protects vehicles lent or hired out to customers, subject to underwriting.
.jpg)
Motor Trade
Our Combined product brings together a wide range of protections – from premises and tools to liabilities and vehicles – all in one policy. It’s ideal for Clients who need bespoke cover that adapts to the unique risks of their operation.
An example of our appetite
Accessory Sales Fitting
Auto Electrician
Brake/Clutch Servicing
Diagnostic Engineers
Exhaust Fitters
Mechanical Service and Repair
MOT Stations
Key Features
Vehicle Indemnity Per Vehicle Per Claim
Ensures clarity and fairness for each individual incident.
Cover at Home Address
Vehicles stored at the policyholder’s home are included automatically.
Online MID Update Function
Quick, direct updates to the Motor Insurance Database for total visibility.
Customer Vehicle Claims Paid at Market Value
Fair, consistent settlement terms your clients can rely on.
.jpg)
Motor Trade
Road Risk
Our Motor Trade Road Risks policy is tailored for part-time and full-time traders who need essential cover for vehicles in their custody or control. Whether your client is buying, selling, servicing or repairing vehicles from home or commercial premises, we provide the protection they need to stay compliant and confident on the road.
Backed by Covéa’s 24/7 claims helpline and trusted service, it’s a straightforward solution for keeping your motor trade clients moving.
An example of our appetite
Sales, Service & Repairs and Valeters dealing with standard private cars and commercial vehicles up to 3.5T GVW
Flexible indemnity limit up to £30,000 with split indemnities available (subject to cover and trade)
Up to 6 named drivers, with 4 for motor trade use
Protected No Claims Discount and Accompanied Demonstration Cover available optionally
Comprehensive and Third Party Fire and Theft cover
Key Features
Flexible Sums Insured
Tailored limits for stock and public liability to suit businesses of all sizes.
Reduced Rates for Clerical-Only Staff
More competitive pricing where risk is lower.
Stock of Vehicles Cover by Storage Type
Insurable whether stored inside, in compounds or in the open.
Customer Vehicle Claims Settled at Market Value
Fair, transparent approach to settlements.
Motor Trade
Our Motor Trade Internal Risks product is built for motor traders who need more than just Road Risks cover. Designed for part-time or full-time traders working from business premises, home, or on the move, it offers flexible protection tailored to your clients' operations.
With customisable sums insured, wide occupational acceptance, and 24/7 claims support, we make it easier for brokers to protect their clients — whether they’re trading from a garage, driveway, or forecourt.
An example of our appetite
Public and Products Liability, including Sales & Service indemnity up to £5M with optional Employers Liability up to £10M
Wide range of acceptable occupations including for those operating from business premises or on a mobile basis
Up to 6 persons covered including 2 clerical only employees
Stock of Vehicles cover available up to £100k sum insured