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What is Motor Trade Insurance?

Motor Trade Insurance is absolutely vital to those who earn their living by selling, buying, or repairing anything with an engine (though generally cars and motorbikes.) It doesn’t matter whether your business is large or small, motor trade insurance is an essential when it comes to staying covered, and staying secure. There are a number of good insurance brokers in Manchester and in the surrounding areas, but we recommend that you look for one that specialises in motor trade insurance and commercial vehicle insurance Manchester – as the policy itself is split into multiple categories, and you might not be covered for everything that you’d think.


Road Risk Only Motor Trade Insurance is usually separated into multiple levels of cover, and can be quite a stumbling block. Third Party Road Risk Policies is required by law, to individuals and organizations that driver their own or any customer’s vehicles on a public highway, provides general services including repairing vehicles, buys and sells cars for profit, operates as a vehicle fitter, valet, or is a mobile tuner, restores / repairs cars, or operates a MOT station or garage.  


A good Insurance provider will offer you a comprehensive package, which covers you for accidental damage, as well as third party error on the road, fire and theft.  


Liability Motor Trade Insurance packages are a little different. A Liability Motor Trade Insurance policy is designed for traders who have the public within their premises. This includes employment, and businesses that allow the public to enter the premises as restoration, repair or service work is ongoing. A good insurance provider will consult you about covering your business for a number of things with this policy, including defective workmanship claims, public liability and finally employers liability.


Combined Motor Trade Insurance is the works. This policy will be discussed at length by your insurance provider, but generally covers money, vehicles, liabilities, premises, tools and contents. This policy is designed to protect the entire business of a motor trader – for business locations as well as home. The policy is intended to conduct their business at a minimum level of risk.

For a motor trader, they must decide which level of cover best suits their needs, though specialist insurance brokers are there to offer help, support and advice as to the level of cover they need for their operations. Look for an insurance broker that provides motor services as a speciality, and you’re halfway to complete peace of mind – which will enable you to get on with your business without any additional strain or stress.  

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