Motor Trades Insurance
Have a business that services the automotive industry in some way? Motor trades insurance has essential cover options for customer vehicles and faulty workmanship.
The resource of choice for the country’s most forward-thinking insurance professionals.
The resource of choice for the country’s most forward-thinking insurance professionals.
Motor Trades Insurance
Rely on a reputable insurance broker
What is Motor Trades Insurance?
Motor trades insurance is a pack of insurances designed to cover businesses in the automotive industry for a wide range of risks and losses. This includes mechanics, auto-electricians, smash repairers, tyre-fitters/retailers and more.
Along with all the usual inclusions of a business pack (liability, theft, buildings, equipment, business interruption etc) motor trades insurance also covers customer vehicles including driving risk on the road.
For any automotive business, the storage and work carried out on customers’ vehicles presents a huge risk. If a customer entrusts you with their vehicle for repairs or delivery, and something goes wrong, they’ll hold you responsible.
Motor trades insurance provides cover for those scenarios, as well as accidental or natural damage such as fire, flood and storm.
What can be covered
- Accidental damage
- Faulty workmanship (limited)
- Fire, perils & weather events
- Property (building, machinery)
- Damage to customer vehicles
- Public & products liability
- Professional liability for certifications/roadworthy
- Test-driving and delivery, including trade plates
What may not be
- Flood unless specifically requested
- Intentional or dishonest acts
- Cyber events and liability
- Damage to high-value prestige vehicles unless specified
Get started with Motor Trades Insurance
Motor trades insurance has essential cover options for customer vehicles and faulty workmanship
Motor Trades claim example
Alonso operates a workshop to help restore older vehicles, including the use of trade plates to get them registered.
A customer entrusts him with their 1973 Datsun. It’s unregistered, uninsured and needs some work to be made roadworthy. The vehicle is securely locked in Alonso’s workshop, but it’s broken into and the car is stolen.
His customer is devastated, but Alonso hasn’t done anything wrong to make him liable. Because of this, his public liability policy will not pay for the loss.
But, as Alonso has cover for customer vehicles on his premises, he’s able to claim on his Motor Trades insurance and reimburse his customer.
The customer is thrilled that he hasn’t experienced a total loss. A situation that could have resulted in a bad experience for the customer has instead improved Alonso’s reputation.
Why Choose CIB?
Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We’ll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.
Our Expertise
Committed to finding you the best insurance solution, our team of knowledgeable insurance brokers will get you the best price available
Your Partner
Safe time and effort by letting our team of expert insurance brokers do the work for you, we can manage your insurance on your behalf.
Clear Terms
We will put an end to the endless jargon, we can help you understand your quotes and policies in clear terms.
Full Cover
We are able to access insurance policies that are not available when buying direct, allowing us to get you a more comprehensive cover and better benefits.
What our clients have to say
109 James Street, New Farm
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I contacted Consolidated Insurance Brokers because I wasn't happy with the way I was treated as a number at my "other" insurance agency. I required insurance for 2 commercial properties and Clayton Rowlings, … More my broker had the best quote available, form a variety of underwriters, within 48 hours. Clayton steered me through an easy process and was a pleasure to work with. A 5 star rating for sure.
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We recently worked with Debbie Blanco to consolidate all of our business insurance policies, and we couldn't be more impressed with the service we received. Debbie took the time to thoroughly understand our business … More needs and was able to streamline multiple policies into a single, efficient package — all while securing the most competitive pricing available. We highly recommend Debbie to any business looking for a reliable, knowledgeable, and proactive insurance Account Manager. She delivers exceptional service and real results.
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Thank you Tracey Friedland for your friendly, efficient and professional manner in finding me a suitable Professional Indemnity underwriter for my unusual form of consultant activity. Also thanks for patiently taking me … More through a process I find daunting. I had to do very little to set the up and the price was much better than expected.
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Tori at Consolidated Insurance Brokers was an absolute pleasure to deal with. From start to finish, nothing was too difficult for her. She handled everything with professionalism, efficiency, and a genuinely helpful attitude. … More She took the time to understand my needs and secured me a fantastic deal with a reputable insurer. It's rare to find such great service these days, and Tori truly went above and beyond. Highly recommend!
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I would like to extend my sincere thanks to Alison Neve from Consolidated Insurance Brokers.She went above and beyond to help me find the best insurance for my commercial property. Alison took the time to truly understand … More my needs and patiently explained everything clearly and thoroughly. Her professionalism, dedication, and genuine care were greatly appreciated.Thank you so much for your outstanding assistance. I truly value your support!
How can we help?
With access to a range of reputable insurers, and policies not available to the public, we can offer you a range of competitive quotes.
We’ll help you compare the price with the coverage offered for each, so you can make the best decision for your needs.
Having a customisable policy is important for protecting your motor trades business against potential risks or customer claims.
Frequently Asked Questions
There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:
- Work on your behalf to secure you better protection through their negotiating power
- Help you understand your risks and empower you to make better life / business decisions
- Ensure insurers are held accountable to their promise to protect what you value during claims
- Save you time and money by taking care of comparing and customising policies for your needs
Motor trades insurance is a business insurance pack, with special options for the automotive industry. As any business insurance, it can cover loss or damage to your building, contents, equipment as well as your liability and advice.
For any automotive business, the storage and work carried out on customers’ vehicles presents a huge risk — that’s why motor trades can also cover customer vehicles while in your care and limited faulty workmanship.
No Obligations, Completely Free
Get a Quote Today
Talk today with our team to find the right kind of insurance that will suit your needs.
