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.

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. 

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What can be covered

What may not be

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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.

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.

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Our Specialty

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.

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As brokers, it's our job to give advice. We always aim to deliver great, not just 'good', advice.

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We manage your insurances so you don't have to — save precious time and effort.

clear terms

Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.

full cover

With a broker, you get more comprehensive cover and benefits not available if buying directly.

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.

What our Customers Say

109 James Street, New Farm

5.0 478 reviews

  • Avatar Natalie Smith ★★★★★ a week ago
    Aimee Spencer has been helpful above and beyond expectations. Her patient and responsive attention to my multiple requests has meant that my business insurance renewal has been processed easily and efficiently. Natalie … More Smith
  • Avatar Jen Gower ★★★★★ a week ago
    Jim was able to negotiate a much lower premium than my previous insurer (with better cover). His advice and communication was clear and straightforward. Highly recommend his service.
  • Avatar Roelie Schrijnders ★★★★★ 2 weeks ago
    We have dealt with Tracey on several occasions, and each and every time she has been such a pleasure to deal with. Always helpful, positive and everything provided in a timely manner. She follows up where needed and usefull … More without ever being pushy.
  • Avatar Parthesh Patel ★★★★★ a month ago
    I have been dealing with Debbie Blanco in Consolidated Insurance Brokers. She has always been very helpful with any query or questions. I would highly recommend her for excellent customer service, product & service knowledge, … More prompt in responding, great in communication, and always comes up with competitive insurance deals / prices.
  • Avatar Carmel Drake ★★★★★ a month ago
    Our business insurance has been handled by Consolidated Insurance Brokers for many years now. This year Aimee Spencer made our yearly renewal very easy with her guidance in our understanding of exactly what was covered and … More included with each Company's different Quotes. Appreciated .... thank you!

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