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 St, New Farm
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I just had found CIB from google search and Nikky Brown from CIB was connected as our consultant to get a new insurance policies for business purposes.She was absolutely experts and intelligent to recommend all type of business … More insurances to protect her customer to run the business. Highly recommend to anyone who are looking to get professional advice for your properties.
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Tracey was fantastic to work with. She was knowledgeable, responsive, friendly, and always happy to answer my many questions throughout the process. As a startup founder looking for insurance for an online platform, I appreciated … More how clearly she explained everything and made what could have been a complicated process feel straightforward.I received other quotes that took longer to arrange and involved multiple insurers, making them difficult to compare. Tracey was able to provide a comprehensive and competitive solution bundled through a single provider at a competitive price, which made the decision easy.I would highly recommend Tracey and Consolidated Insurance Brokers to anyone looking for professional and personalised service.
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I went with CIB insurance because the customer service was top-notch. Debbie was super helpful from start to finish and no question was too hard for Debbie. She even mentioned that she had been working in the business for … More 15 years which you can tell from her advice.Debbie provided alot of advice on what would be best for my business.I feel comfortable with the policy Debbie provided as she went into detail to get coverage for everything.Highly recommend CIB and Debbie.
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I was referred to Alison through a personal recommendation after we had been struggling to find direct insurance for our business refrigerated van within a very tight timeframe. From the beginning, Alison provided outstanding … More service and made the whole process feel easy and stress-free.She was always contactable, professional, and incredibly helpful throughout every step. We had urgent deadlines and even needed last minute changes very late in the day, and Alison still went above and beyond to make sure everything was completed on time.Her communication, responsiveness, and genuine care for her clients really stood out. We are very grateful for all her support and would highly recommend Alison to anyone needing insurance assistance.
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Tracey was fantastic to deal with - professional, friendly and made the whole insurance process simple and stress free. Great communication, quick responses and took the time to explain everything clearly. Highly recommend … More for anyone needing reliable insurance advice and 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.
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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.