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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Highly recommend Debbie and James from Consolidated Insurance Brokers. Our insurance had tripled according to our previous broker but Debbie and James search tirelessly to find us the best quote to insure our property and … More saved us a lot of stress and money, we cannot thank them enough. -
We have been using Consolidated Insurance Brokers for 3 yrs now for our business. Aimee from Consolidated has been amazing to deal with. Explained everything in detail regarding our new insurance policies and what had changed … More since previous year and did her best to source the right outcome for us. Would highly recommend Aimee for all your business insurance needs.
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Lyn was kind, caring and professional from the minute we started talking. I needed a broker because of extenuating circumstance and she was able to find the right insurer who also understood. I’m now rusted on. I highly … More recommend Lyn Schumann 🙂
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Clayton Rowlings from Consolidated was a pleasure to work with and got me the best car insurance deal in the market by far. His high level of service was impressive and he stayed in touch with me in assistance for nearly … More 1 year while I was deciding what to buy. He was very attentive and super helpful at each step of the way, which made navigating this insurance process easy to understand and finalise. Thanks again, Clayton - highly recommend!
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Tracey was extremely great to deal with and was so helpful in helping us find insurance for our business. But not only find insurance, got us the best possible outcome for our business. Other brokers were just in it for their … More pay day, Tracey was in it to get the best deal for us. She listened to us and about our business so she understood exactly what we were after.If you are looking for any kind of insurance, I highly recommend dealing with Tracey as she will help you find the best possible outcome.
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.
